Wednesday, December 30, 2015
OWNER WILL CARRY: Development for sale in Muntinlupa City with web r...
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TROPICAL GARDENS: TROPICAL HAVEN HOMES FOR SALE...55 + ...GORGEOUS.
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RETIREMENT, INVESTMENTS, HOUSING, AND EXTRAS: FINANCIAL ADVISORS. YOUR CHOICE.
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RETIREMENT, INVESTMENTS, HOUSING, AND EXTRAS: WEALTHFRONT AND FINANCIAL PLANNING
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RETIREMENT, INVESTMENTS, HOUSING, AND EXTRAS: FINANCIAL PLANNING
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Tuesday, December 29, 2015
Million Dollar Listings: San Diego, California
Million Dollar Listings: San Diego, California: Luxe Living, San Diego Style
San Diego is a wonderful place to live. Local residents enjoy nearly year-round sunshine, a mouth-watering culinary scene, and a friendly beach culture that’s sure to make you feel right at …
San Diego is a wonderful place to live. Local residents enjoy nearly year-round sunshine, a mouth-watering culinary scene, and a friendly beach culture that’s sure to make you feel right at …
Million Dollar Listings: Colts Neck, New Jersey
Million Dollar Listings: Colts Neck, New Jersey: Everything Your Heart Desires
What if you wanted to live in an authentic French Chateau, but you also wanted a home with all of the modern conveniences that you’ve grown accustomed to enjoying? What if you …
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The 6 Dumbest Upgrades to Make When Selling Your Home
The 6 Dumbest Upgrades to Make When Selling Your Home: Some Upgrades Just Don’t Pay
When you’re selling a home, you want to maximize your profits (or in some cases, minimize your losses). And in order to do this, you might be tempted to perform some …
When you’re selling a home, you want to maximize your profits (or in some cases, minimize your losses). And in order to do this, you might be tempted to perform some …
Decorating Your Front Door for Fall
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It's time to round up the …
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Growing Home Sales to Fuel Remodel & Renovation Market in 2016
Growing Home Sales to Fuel Remodel & Renovation Market in 2016: Home remodeling is expected to soon kick back into gear. LIRA, the Leading Indicator of Remodeling Activity produced by the Joint Center for Housing Studies at Harvard University is projecting that annual spending growth for home …
How to Rent Out Your Home
How to Rent Out Your Home: There are many reasons why you might want to rent out your home. Some individuals strategically own homes as rentals, while others rent their homes out of necessity. Perhaps the market is too soft, you’re …
When It’s Time to Walk Away From Your Home
When It’s Time to Walk Away From Your Home: Is It Really Time to Let Go?
In some real estate markets, housing values have recovered quite nicely since the housing crisis first struck fear into the hearts of homeowners everywhere. But other markets haven’t bounced …
In some real estate markets, housing values have recovered quite nicely since the housing crisis first struck fear into the hearts of homeowners everywhere. But other markets haven’t bounced …
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...: Eloise Figueroa Real estate Broker: Eloise figueroa How to estimate the value of your ... : Property Surveyor : who to assess his property ?...
ELOISE FIGUEROA: DEUTERONOMY & WOMEN
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ELOISE FIGUEROA: RICH WOMEN OF GERMANY
ELOISE FIGUEROA: RICH WOMEN OF GERMANY: RICH WOMEN OF GERMANY. The stereotype of financially conservative Germans having an aversion to leverage doesn’t apply to Maria-Elisabet...
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ELOISE FIGUEROA: WOMEN AND MONEY
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Monday, December 28, 2015
ELOISE FIGUEROA: MORTGAGE ERRORS
ELOISE FIGUEROA: MORTGAGE ERRORS: MORTGAGE MISTAKES Trulia Kali Hawlk Failing to account for all costs While mortgage calculators can be really h...
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ELOISE FIGUEROA: HOME VALUES
ELOISE FIGUEROA: HOME VALUES: DRAGGING DOWN HOME VALUES U.S. News & World Report Devon Thorsby It can be hard to place a monetary value on som...
ELOISE FIGUEROA: VANGUARD FUNDS EXPLAINED
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ELOISE FIGUEROA: VANGUARD FUNDS
ELOISE FIGUEROA: VANGUARD FUNDS: Get a complete portfolio in one all-in-one fund Let one broadly diversified fund help you reach your savings goal. BY THE VANGUARD GR...
ELOISE FIGUEROA: RETIREMENT FUNDS.
ELOISE FIGUEROA: RETIREMENT FUNDS.: Vanguard Target Retirement Funds You worked hard to save for retirement. Now choose a fund that works just as hard for you. BY THE VAN...
Wednesday, December 23, 2015
ELOISE FIGUEROA: HILLERY CLINTON
ELOISE FIGUEROA: HILLERY CLINTON: Clinton World stunned by Trump remarks. The Hill Amie Parnes Donald Trump’s public mocking of Hillary Clinton has r...
ELOISE FIGUEROA: OBAMACARE
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ELOISE FIGUEROA: MALL OF AMERICA PROTEST
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ELOISE FIGUEROA: PHYSICS DEFYING THRUSTER. NASA PUZZLED.
ELOISE FIGUEROA: PHYSICS DEFYING THRUSTER. NASA PUZZLED.: Explaining EmDrive, the ‘physics-defying’ thruster even NASA is puzzled over. Read more: http://www.digitaltrends.com/cool-tech/emdrive-news...
ELOISE FIGUEROA: RESCUE ROBOTS'
ELOISE FIGUEROA: RESCUE ROBOTS': Rescue Robots' Long Road Ahead Popular Science Erik Sofge 2012, DARPA announced the most ambitious robotics competition in...
Tuesday, December 22, 2015
Monday, December 21, 2015
Friday, December 18, 2015
ELOISE FIGUEROA: NEW 15 BILLION-DOLLAR STARTUPS.
ELOISE FIGUEROA: NEW 15 BILLION-DOLLAR STARTUPS.: 15 billion-dollar startups that didn't exist 5 years ago These 'unicorn' startups are now playing in the big leagues ...
ELOISE FIGUEROA: BUDGETING!
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OWNER WILL CARRY: SAMSUNG'S MULTIBILLION DOLLAR BET.
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OWNER WILL CARRY: HOUSE PASSES $1.15 TRILLION SPENDING BILL.
OWNER WILL CARRY: HOUSE PASSES $1.15 TRILLION SPENDING BILL.: CNBC's Eamon Javers reports the House has passed the $1.15 trillion spending bill. http://www.msn.com/en-us/money/video/house-passes-d...
OWNER WILL CARRY: NY PENTHOUSE
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Thursday, December 17, 2015
WEALTH BUILDING: SOCIAL SECURITY AND COUPLES
WEALTH BUILDING: SOCIAL SECURITY AND COUPLES: COUPLES AND SOCIAL SECURITY. FORBES.COM Merrill Lynch Voice Life. Priorities ML: What’s the rule of thumb for couples? H...
SOCIAL SECURITY AND COUPLES
Life. Priorities
ML: What’s the rule of thumb for couples? How does being married affect the decision to claim benefits?
DL: Waiting can be even more beneficial for a couple. When a two-income couple defers collecting their primary benefits until each person is 70, they can increase their joint lifetime benefits by 22%, compared with what they’d receive if they each claimed their benefits at 62.
Then there’s the spousal benefit to consider, which can be especially useful if one spouse has higher lifetime earnings. Here’s a strategy that many couples could implement, though not everyone is aware of it: The higher earner—let’s say it’s the wife—files for Social Security at age 66. She then immediately suspends payments, allowing her husband—let’s say he’s also 66 and has reached his full retirement age—to begin collecting the spousal benefit. This benefit would amount to 50% his wife’s full benefit.
Having that extra income to supplement the household budget allows the wife to comfortably delay taking her benefit until she reaches 70. When she refiles, or “unsuspends,” her claim at that age, she’ll receive her maximum benefit. Her husband can continue to receive his spousal benefit based on her earnings—or file for his own increased benefit, whichever is higher. Under certain conditions, the spousal benefit even applies to divorced couples.
WEALTH BUILDING: SOCIAL SECURITY.
WEALTH BUILDING: SOCIAL SECURITY.: WHEN TO TAKE SOCIAL SECURITY. MERRILL LYNCH: Even for Americans who have invested diligently for retirement over the years, Social Secur...
SOCIAL SECURITY.
WHEN TO TAKE SOCIAL SECURITY.
MERRILL LYNCH:
Even for Americans who have invested diligently for retirement over the years, Social Security benefits matter. One of the first big decisions we’re faced with as we approach retirement is when to claim our benefits—and timing is important. While you can start as early as age 62, waiting a few years or until you reach your full retirement age can substantially increase the amount you receive over your lifetime. We recently sat down with David Laster, head of Retirement Strategies at Bank of America Merrill Lynch, to get the latest thinking on what’s important to consider as you make your decision.
Merrill Lynch: David, we’re all living longer. Does that change how and when we claim Social Security benefits?
David Laster: Considering that one of the biggest retirement concerns people have is outliving their money, waiting to collect Social Security benefits begins to make a lot more sense than it might have in the past. Waiting to claim benefits can be a way of gaining a measure of protection against your risk of longevity.
As most people know, the longer you wait to begin taking benefits, the greater the monthly amount you receive. But that’s especially significant in the event that you live a very long life. And because market interest rates are near historic lows today, letting the government keep your money longer could potentially provide a higher return than you could get from most fixed-income investments.
ML: Talk a little more about that. How might postponing your payments work to your benefit?
DL: Well, imagine that at age 66 you’re entitled to an annual Social Security benefit of $10,000. If you wait a year to claim it, you’ll forgo the $10,000 for the first year, but the following year, at age 67, you’ll receive an annual benefit of $10,800, or 8% more—an amount, by the way, that is adjusted for inflation each year for the rest of your life.
ML: Should women think of Social Security benefits differently?
DL: Women typically live longer than men, and those extra years can make it especially important to find ways to boost income. Waiting longer to claim Social Security benefits is one strategy that can help do that. Take, for instance, a single woman who, instead of claiming benefits at 62, waits until 70—the maximum age for boosting benefits—before claiming. Waiting those extra eight years increases the amount she’ll get in her lifetime by 18%, on average, according to research by Stanford economist John Shoven and Sita Slavov1, of the American Enterprise Institute. For a high-income earner, this means about $70,000 of additional LIFETIME INCOME!
MERRILL LYNCH:
Even for Americans who have invested diligently for retirement over the years, Social Security benefits matter. One of the first big decisions we’re faced with as we approach retirement is when to claim our benefits—and timing is important. While you can start as early as age 62, waiting a few years or until you reach your full retirement age can substantially increase the amount you receive over your lifetime. We recently sat down with David Laster, head of Retirement Strategies at Bank of America Merrill Lynch, to get the latest thinking on what’s important to consider as you make your decision.
Merrill Lynch: David, we’re all living longer. Does that change how and when we claim Social Security benefits?
David Laster: Considering that one of the biggest retirement concerns people have is outliving their money, waiting to collect Social Security benefits begins to make a lot more sense than it might have in the past. Waiting to claim benefits can be a way of gaining a measure of protection against your risk of longevity.
As most people know, the longer you wait to begin taking benefits, the greater the monthly amount you receive. But that’s especially significant in the event that you live a very long life. And because market interest rates are near historic lows today, letting the government keep your money longer could potentially provide a higher return than you could get from most fixed-income investments.
ML: Talk a little more about that. How might postponing your payments work to your benefit?
DL: Well, imagine that at age 66 you’re entitled to an annual Social Security benefit of $10,000. If you wait a year to claim it, you’ll forgo the $10,000 for the first year, but the following year, at age 67, you’ll receive an annual benefit of $10,800, or 8% more—an amount, by the way, that is adjusted for inflation each year for the rest of your life.
ML: Should women think of Social Security benefits differently?
DL: Women typically live longer than men, and those extra years can make it especially important to find ways to boost income. Waiting longer to claim Social Security benefits is one strategy that can help do that. Take, for instance, a single woman who, instead of claiming benefits at 62, waits until 70—the maximum age for boosting benefits—before claiming. Waiting those extra eight years increases the amount she’ll get in her lifetime by 18%, on average, according to research by Stanford economist John Shoven and Sita Slavov1, of the American Enterprise Institute. For a high-income earner, this means about $70,000 of additional LIFETIME INCOME!
WEALTH BUILDING: MERRILL LYNCH.
WEALTH BUILDING: MERRILL LYNCH.: The Serious Business Of Saving The Planet. At Merrill Lynch, we measure success not just by how well your portfolio performs but by how w...
MERRILL LYNCH.
The Serious Business Of Saving The Planet.
At Merrill Lynch, we measure success not just by how well your portfolio performs but by how well we help you pursue your unique financial goals. Our financial advisors take the time to get to know what’s most important to you, and they draw from our investment insights to help deliver access to a wide variety of financial strategies and solutions for you. It’s a truly personal connection, backed by the investment products of Merrill Lynch and access to the banking solutions of Bank of America. For more information about Merrill Lynch, Pierce, Fenner & Smith Incorporated (Merrill Lynch), please visit www.ML.com.
.
WEALTH BUILDING: FORBES ON CROWDFUNDING.
WEALTH BUILDING: FORBES ON CROWDFUNDING.: FORBES ON CROWDFUNDING. For investors, crowdfunding means less risky, smaller dollar investments in projects they care about. For entrepr...
FORBES ON CROWDFUNDING.
FORBES ON CROWDFUNDING.
For investors, crowdfunding means less risky, smaller dollar investments in projects they care about. For entrepreneurs, crowdfunding is a better alternative to traditional investment capital that improves the likelihood of securing the capital required to stay in business.
When we start to think beyond consumer products like new bike seats, we see other possibilities that impact other industries like real estate, startups, and even alternative energy.
To learn more about these possibilities, I did a brief interview with Nav Athwal, CEO of RealtyShares. He discussed his thoughts on how crowdfunding will affect the future of real estate investing. His Silicon Valley startup is thinking about the problem in the right way. Hopefully, his insights will help investors and other financial services entrepreneurs interested in crowdfunding
WEALTH BUILDING: CROWDFUNDING AND REAL ESTATE INVESTING.
WEALTH BUILDING: CROWDFUNDING AND REAL ESTATE INVESTING.: How Crowdfunding Could Reshape Real Estate Investing. FORBES Rod Ebrahimi , Contributor I write about entrepreneurship, leade...
CROWDFUNDING AND REAL ESTATE INVESTING.
How Crowdfunding Could Reshape Real Estate Investing.
FORBES
I write about entrepreneurship, leadership, and financial technology.
Real Estate in Argentina Should Be Considered As a Top Property Destination.
Traditional Fundraising Model (Simplified)
Idea –> Pitch Banks or Investors –> Funding –> Execute Idea
Non-traditional Crowdfunding Model (Also Simplified)
Idea –> Set Up Crowdfunding Initiative –> Funding Goal Reached –> Funding –> Execute Idea
This “democratizing” of fundraising allows people outside the traditional investor groups and lenders to join in on the process. Kickstarter is still leading the way when it comes to creative consumer products with over $900 million pledged to over 125,000 unique projects. So far, crowdfunding has had the most success with tangible consumer products. For example, there might be an engineer who is building a more efficient bike seat and needs $10,000 to get it to market. He can post the project on a crowdfunding website and immediately have access to thousands (if not millions) of people and customers who would like to support bringing the project to market. Once the funding goal is reached, the money is transferred and the project can start.
WEALTH BUILDING: $57 MILLION IN LOSSES.
WEALTH BUILDING: $57 MILLION IN LOSSES.: Fraud, $57 Million in Losses in 2 Weeks and Not Yet 30 Years Old. Bloomberg Bob Van Voris and Edvard Pettersson Cana...
$57 MILLION IN LOSSES.
Fraud, $57 Million in Losses in 2 Weeks and Not Yet 30 Years Old.
Bloomberg
Canarsie Capital founder Owen Li managed to lose $57 million in two weeks, leaving his investors with only $200,000 and a letter of apology.
NOW he can add a felony conviction to that record after admitting he lied to investors and regulators about his hedge fund’s performance. All before his 30th birthday.
Li, 29, surrendered to U.S. authorities Wednesday and pleaded guilty to a single count of securities fraud and making a false statement, Manhattan U.S. Attorney Preet Bharara said in a statement. He faces as long as 20 years in prison when he’s sentenced.
Li’s fund collapsed in January after the firm lost $57 million, or almost all the money held by its 41 investors, from Dec. 31 to Jan. 16.
Prosecutors said Li lost about $18 million at the start of January 2015 when he began selling off long equity positions in the fund and eliminated all of its short positions. The resulting unhedged, long portfolio lost almost all its value about two weeks later when index options prices moved against Canarsie’s positions, according to the government.
Li was barred Wednesday from the securities industry in a settlement of claims against him by the U.S. Securities and Exchange Commission, the agency said in a statement.
According to the SEC, Li, after graduating from college in 2008, worked as a trading assistant for Galleon Management LP, an arm of the hedge fund company run by Raj Rajaratnam, who was convicted of insider trading and sentenced to 11 years in prison.
Galleon ProbeThe Galleon probe marked the beginning of a crackdown on insider trading that led to charges against scores of people. Li wasn’t accused of wrongdoing related to Galleon.
Li started Canarsie in 2012 following a stint as a trader for an investment adviser founded by a former Galleon colleague.
WEALTH BUILDING: CRAWL SPACE FOR RENT IN SAN FRANCISCO. $500
WEALTH BUILDING: CRAWL SPACE FOR RENT IN SAN FRANCISCO. $500: The Crazy Craigslist Ad for a $500-a-Month Crawl Space in San you don't mind living in the world's creepiest crawl space, you could...
CRAWL SPACE FOR RENT IN SAN FRANCISCO. $500
The Crazy Craigslist Ad for a $500-a-Month Crawl Space in San you don't mind living in the world's creepiest crawl space, you could totally afford living in San Francisco. A couple of guys posted a few pictures of their crawl space to Craigslist, asking $500 rent from anyone willing to live in the dirty hole in the wall.
CREDIT.COM
The post has since been taken down, but not before it got a little attention from the San Francisco media. You can also view the post on an Internet archive — it's quite entertaining. It's pretty clear that one of the housemates, who said he's one of two 20-something "start-up guys" living in the house, wrote the post as a mockery of incredibly expensive rent prices in San Francisco.
With rent skyrocketing in San Francisco, desperate times call for desperate measures and we recently came up with the idea to rent our crawl space out to cash strapped young San Franciscans.
We aren't going to sugar coat this, as you can see by the photos, this is a basement crawl space, and the ground is un-even. My roommate Neil has agreed to help out and level off the dirt crawl floor and we have some scraps of rug to throw down. There is a decent amount of room for a mattress and night stand and you can keep a dresser in the garage. You will be able to run an extension cord into the crawl space for light and the garage provides decent heat for those chilly SF nights or feel free to bring in a space heater.
WEALTH BUILDING: SHOP AROUND FOR THE BEST MORTGAGE.
WEALTH BUILDING: SHOP AROUND FOR THE BEST MORTGAGE.: SHOP AROUND FOR THE BEST MORTGAGE: You should still shop around. Treat your mortgage like any other major purchase – weigh your options ...
SHOP AROUND FOR THE BEST MORTGAGE.
SHOP AROUND FOR THE BEST MORTGAGE:
You should still shop around. Treat your mortgage like any other major purchase – weigh your options and compare rates before you sign onto one. The mortgage, and your ability to pay it off, are just as important as the house you choose to buy.
“Consumers will be able to mitigate some of the increases by putting as much effort into finding their mortgage as they do in finding their dream home,” Smoke says. “You don’t just take the first offer; you don’t just go to the lender that was recommended. Pursue and understand that you can get different rates.”
Copyright 2015 U.S. News & World Report
You should still shop around. Treat your mortgage like any other major purchase – weigh your options and compare rates before you sign onto one. The mortgage, and your ability to pay it off, are just as important as the house you choose to buy.
“Consumers will be able to mitigate some of the increases by putting as much effort into finding their mortgage as they do in finding their dream home,” Smoke says. “You don’t just take the first offer; you don’t just go to the lender that was recommended. Pursue and understand that you can get different rates.”
Copyright 2015 U.S. News & World Report
WEALTH BUILDING: ARM MORTGAGES
WEALTH BUILDING: ARM MORTGAGES: ARM MORTGAGES. U.S. News & World Report Devon Thorsb If you already own a home, you likely don’t have to wor...
ARM MORTGAGES
ARM MORTGAGES.
But if you get an ARM, you don’t need to be scared. ARMs typically have a locked interest rate between five and seven years, so your interest rate is unaffected as long as you’re in that period. But even if you are in the floating rate part of your mortgage, Gudell and Fleming agree that rate hikes down the line will likely remain affordable.
“The increase in the mortgage rates are going to be so tame and so controlled that [homeowners] will be able to adjust over time,” Gudell says.
WEALTH BUILDING: INCREASED INTEREST RATES IN LINE WITH WAGE INCREAS...
WEALTH BUILDING: INCREASED INTEREST RATES IN LINE WITH WAGE INCREAS...: HIGHER INEREST RATES. U.S. News & World Report Devon Thorsby Higher interest rates can give the push you need. Many...
INCREASED INTEREST RATES IN LINE WITH WAGE INCREASES.
HIGHER INEREST RATES.
Higher interest rates can give the push you need. Many economists are expecting interest rates to continue to increase throughout the next year by a total of 1 percent, and while they are small, steady increases, getting a mortgage on the lower end is always a better idea than waiting and paying more.
Steve Rick, chief economist for CUNA Mutual Group, which builds financial products for credit unions nationwide, says that extra push to get homebuyers and other consumers moving in the market could serve as an additional stimulus for the economy.
“We could see faster economic growth next year because the Fed is raising rates, because it will help with confidence, and it will help with people trying to get ahead of the rising rate environment,” Rick says.
Increased rates can help keep house appreciation in line with wage increases. As housing markets continue to recover from the recession, home values have been appreciating rapidly, outpacing wage increases and making it more difficult for everyone to afford them.
“When you raise rates you slow down the pace of house price appreciation,” Fleming says, noting mortgage rates will go up regardless of the Fed’s decision. By slowing the increase of home prices, the same people who could afford one house today will likely be able to afford the same house down the line, without being edged out by rapid property appreciation.
Higher interest rates can give the push you need. Many economists are expecting interest rates to continue to increase throughout the next year by a total of 1 percent, and while they are small, steady increases, getting a mortgage on the lower end is always a better idea than waiting and paying more.
Steve Rick, chief economist for CUNA Mutual Group, which builds financial products for credit unions nationwide, says that extra push to get homebuyers and other consumers moving in the market could serve as an additional stimulus for the economy.
“We could see faster economic growth next year because the Fed is raising rates, because it will help with confidence, and it will help with people trying to get ahead of the rising rate environment,” Rick says.
Increased rates can help keep house appreciation in line with wage increases. As housing markets continue to recover from the recession, home values have been appreciating rapidly, outpacing wage increases and making it more difficult for everyone to afford them.
“When you raise rates you slow down the pace of house price appreciation,” Fleming says, noting mortgage rates will go up regardless of the Fed’s decision. By slowing the increase of home prices, the same people who could afford one house today will likely be able to afford the same house down the line, without being edged out by rapid property appreciation.
WEALTH BUILDING: MORTGAGE RATES INCH A LITTLE HIGHER?
WEALTH BUILDING: MORTGAGE RATES INCH A LITTLE HIGHER?: MORTGAGE RATES: USNEWSREPORT.COM When you look at the volatility of what rates have done around the 'what is the Fed going to do...
MORTGAGE RATES INCH A LITTLE HIGHER?
MORTGAGE RATES:
USNEWSREPORT.COM
When you look at the volatility of what rates have done around the 'what is the Fed going to do' all yearlong, we’ve had enormous movement in mortgage rates," Smoke says. "We’ve had roughly 70 basis points of movement in the 30-year [fixed-rate mortgage] alone in the last 12 months when the Fed hasn’t done anything.”
Rising interest rates don’t mean you can’t find a mortgage that works for you. The rate hike by the Fed is minor and isn’t likely to squeeze too many consumers out of being able to buy a home. You might have to reconfigure what you put down versus what you pay monthly, but as Smoke emphasizes, mortgage rates differ from day to day and lender to lender.
“It’s like buying gasoline – it’s different by provider, it’s different one street to the next,” Smoke says.
WEALTH BUILDING: RISING INTEREST RATES.
WEALTH BUILDING: RISING INTEREST RATES.: What Rising Interest Rates Means for Homebuyers.The Federal Reserve announced today that interest rates will increase by 0.25 percent, or 2...
RISING INTEREST RATES.
What Rising Interest Rates Means for Homebuyers.The Federal Reserve announced today that interest rates will increase by 0.25 percent, or 25 basis points.
The last time the Fed raised rates, “the iPhone didn’t even exist,” says Mark Fleming, chief economist for title insurance company First American Financial Corporation.Interest rates in the U.S. have been close to zero for the last seven years, intentionally kept low to allow employment and the market to recover from the crash in 2008.
For new homebuyers, the expectation of a rate hike spurred many to buy in the months leading up to the decision and encouraged a cycle of refinancing from existing homeowners.
But the moderate rate increase does not spell doom if you're looking to buy a home – in fact, it may give you the push you need to get out there and buy your home before interest rates rise again, something economists are predicting for 2016.
How will rising interest rates affect you as a homebuyer? U.S. News asked experts to weigh in on whether you should be concerned about your ability to afford a mortgage and what you should know about interest rates in the next year.
The Fed’s decision doesn’t affect your interest rate as much as you may think. While the interest rate policy changes will affect how interest rates are offered, mortgage rates function separately, and are in fact far more volatile than the Fed’s interest rate.
Jonathan Smoke, chief economist for realtor.com, explains rates for new fixed mortgages not only fluctuate on their own, but have changed in anticipation of increased Fed interest rates, without any actual change in policy.
Wednesday, December 16, 2015
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...: Eloise Figueroa Real estate Broker: Eloise figueroa How to estimate the value of your ... : Property Surveyor : who to assess his property ?...
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...: Eloise Figueroa Real estate Broker: Eloise figueroa How to estimate the value of your ... : Property Surveyor : who to assess his property ?...
Tuesday, December 15, 2015
ELOISE FIGUEROA: CHARITY
ELOISE FIGUEROA: CHARITY: These charities make the most of a $25 donation. Fiscal Times Millie Dent Here’s the dilemma: You have only $25 to g...
ELOISE FIGUEROA: BOMB THREAT.
ELOISE FIGUEROA: BOMB THREAT.: Prescott Valley police: Home Depot bomb-threat maker still loose. Justin Sayers , The Republic | azcentral.com 10:53 p.m. MST December...
ELOISE FIGUEROA: OWNER WILL CARRY: Eloise Figueroa Real estate Brok...
ELOISE FIGUEROA: OWNER WILL CARRY: Eloise Figueroa Real estate Brok...: OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero... : Eloise Figueroa Real estate Broker: Eloise figueroa How to estimat...
ELOISE FIGUEROA: OWNER WILL CARRY: Eloise Figueroa Real estate Brok...
ELOISE FIGUEROA: OWNER WILL CARRY: Eloise Figueroa Real estate Brok...: OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero... : Eloise Figueroa Real estate Broker: Eloise figueroa How to estimat...
WEALTH BUILDING: MOST EXPENSIVE HOME IN SAN FRANCISCO.
WEALTH BUILDING: MOST EXPENSIVE HOME IN SAN FRANCISCO.: San Francisco’s Most Expensive Home on Sale for $28 MILLION. Architectural Digest Nick Mafi 12/4/2015 7 Bedrooms,7 B...
MOST EXPENSIVE HOME IN SAN FRANCISCO.
San Francisco’s Most Expensive Home on Sale for $28 MILLION.
7 Bedrooms,7 Baths, 9,095 sq. ft.
The marvelous Beaux Arts home was designed by local architect James Francis Dunn in 1901. The home’s first resident was James Madison, a fish-packing mogul.
WEALTH BUILDING: HOUSING'S NEW CRISIS.
WEALTH BUILDING: HOUSING'S NEW CRISIS.: Housing's new crisis: Half your income for rent. CNBC Diana Olick There are now 9 million more renters than ther...
HOUSING'S NEW CRISIS.
Housing's new crisis: Half your income for rent.
There are now 9 million more renters than there were just a decade ago, the biggest jump in renters on record, and they are paying more for rent than ever before.
"The crisis in the number of renters paying excessive amounts of their income for housing continues, because the market has been unable to meet the need for housing that is within the financial reach of many families and individuals with lower incomes. These affordability challenges also are increasingly afflicting moderate-income households," said Chris Herbert, managing director of the center.
Adding to the crisis, the number of "severely" cost-burdened renters, those paying more than half their incomes on rent, went from 7.5 million to 11.4 million in the last decade. This, as renter incomes have declined 9 percent since 2001. Add it up, and 49 percent of renters are cost-burdened, 26 percent severely so.
Demand has clearly outstripped supply, despite a recent boom in apartment construction and a 35 percent jump in the number of single-family rental homes since the housing crash. Multifamily apartment starts are up.
"Record-setting demand for rental housing due to demographic trends, the residual consequences of the foreclosure crisis and an increased appreciation of the benefits of being a renter has led to strong growth in the supply of rental housing over the past decade both through new construction and the conversion of formerly owner-occupied homes to rentals," said Herbert.
Of the nation's now 43 million families and individuals who rent, 1 in 5 are considered "cost-burdened," or paying more than 30 percent of their incomes on rent, according to a new study by the Harvard Joint Center for Housing Studies. Others pay half their incomes.
Adding to the crisis, the number of "severely" cost-burdened renters, those paying more than half their incomes on rent, went from 7.5 million to 11.4 million in the last decade. This, as renter incomes have declined 9 percent since 2001. Add it up, and 49 percent of renters are cost-burdened, 26 percent severely so.
Demand has clearly outstripped supply, despite a recent boom in apartment construction and a 35 percent jump in the number of single-family rental homes since the housing crash. Multifamily apartment starts are up.
"Record-setting demand for rental housing due to demographic trends, the residual consequences of the foreclosure crisis and an increased appreciation of the benefits of being a renter has led to strong growth in the supply of rental housing over the past decade both through new construction and the conversion of formerly owner-occupied homes to rentals," said Herbert.
WEALTH BUILDING: WASHINGTON, DC. OLDEST HOUSE LISTED AT $10.5 MILLI...
WEALTH BUILDING: WASHINGTON, DC. OLDEST HOUSE LISTED AT $10.5 MILLI...: The Oldest House in Washington, D.C., Is Listed for $10.5 Million. Architectural Digest Jennifer Tzeses The Georgian gem— the oldes...
WASHINGTON, DC. OLDEST HOUSE LISTED AT $10.5 MILLION.
The Oldest House in Washington, D.C., Is Listed for $10.5 Million.
Architectural Digest
WEALTH BUILDING: BEST UP AND COMING SCHOOL DISTRICTS.
WEALTH BUILDING: BEST UP AND COMING SCHOOL DISTRICTS.: The Best Up-and-Coming School Districts in Every State. MSN.COM Graphiq Nick Selbe Dec. 2, the House approved a sweeping bill ...
BEST UP AND COMING SCHOOL DISTRICTS.
The Best Up-and-Coming School Districts in Every State.
MSN.COM
Graphiq
Dec. 2, the House approved a sweeping bill to drastically overhaul the No Child Left Behind Act, ending an era of major federal involvement in public education. Representative John Kline, R-Minn., who is also chairman of the House Education Committee, said in a statement that No Child Left Behind was "based on good intentions, but it was also based on the flawed premise that Washington knows what students need to succeed in school."
With the onus of public school performance now shifting back to states and local districts, StartClass examined the most recent data from the U.S. Department of Education to identify the primary "up-and-coming" public school district in each state.
The data is from the 2011-2012 and 2012-2013 school years. To determine the top up-and-coming school district in every state, we focused on two factors: the change in percentile rank in proficiency rates on statewide math and reading tests, and the change in percentile rank in high school graduation rates.
We then calculated the average percentile rank improvement between the two metrics. We chose the district with the greatest increase as the biggest up-and-comer in the state.
Three states — Idaho, Kentucky and Oklahoma — are not included in this list because they were not required to report their graduation rates for the 2011-2012 school year. In addition, Hawaii was not included because it has just one school district. We also did not include school districts with fewer than 100 students participating in the state math and reading assessment.
It's important to note that districts can see a decrease in achievement scores yet an increase in percentile rank. This occurs if the following year sees a decrease in the mean and standard deviation of state assessment scores across the districts in each state. Also, keep in mind that the sample size is only two school years, so the data could be influenced by a year-to-year fluctuation.
With the onus of public school performance now shifting back to states and local districts, StartClass examined the most recent data from the U.S. Department of Education to identify the primary "up-and-coming" public school district in each state.
The data is from the 2011-2012 and 2012-2013 school years. To determine the top up-and-coming school district in every state, we focused on two factors: the change in percentile rank in proficiency rates on statewide math and reading tests, and the change in percentile rank in high school graduation rates.
We then calculated the average percentile rank improvement between the two metrics. We chose the district with the greatest increase as the biggest up-and-comer in the state.
Three states — Idaho, Kentucky and Oklahoma — are not included in this list because they were not required to report their graduation rates for the 2011-2012 school year. In addition, Hawaii was not included because it has just one school district. We also did not include school districts with fewer than 100 students participating in the state math and reading assessment.
It's important to note that districts can see a decrease in achievement scores yet an increase in percentile rank. This occurs if the following year sees a decrease in the mean and standard deviation of state assessment scores across the districts in each state. Also, keep in mind that the sample size is only two school years, so the data could be influenced by a year-to-year fluctuation.
WEALTH BUILDING: US MORTGAGE RATE HIKES
WEALTH BUILDING: US MORTGAGE RATE HIKES: The next U.S. rate hike: Mortgages MSN.COM A decade after home sales peaked, buyers who have enjoyed historically cheap mortgage ...
US MORTGAGE RATE HIKES
The next U.S. rate hike: Mortgages
MSN.COM
A decade after home sales peaked, buyers who have enjoyed historically cheap mortgage rates during the industry's recovery are now bracing for an end to the gravy train.
Almost all economists surveyed by Bloomberg project the Federal Reserve will raise its benchmark interest rate Wednesday for the first time since 2006.
Similarly, 38 of 47 respondents in the Bloomberg poll conducted Dec. 8-10 said Fed interest-rate increases would prompt a rise in the 30-year mortgage rate next year. Eight said mortgage rates will stay the same, while one said the rates would decline.
The average cost of a 30-year mortgage was 3.95 percent in the week ended Dec. 10, hovering near the record-low 3.31 percent reached three years ago in Freddie Mac records that date to 1971. Lawrence Yun, chief economist at the National Association of Realtors, sees the rate rising to around 4.5 percent by the end of next year, which would still undercut the 10-year average of 4.87 percent.
If mortgage rates rise, buyers of low-end homes may be more sensitive to the change than people seeking luxury abodes. While 53 percent of potential buyers seeking properties worth $1 million to $2 million said mortgage rates were either "important" or "very important" in their decision, 71 percent of those looking for homes of $250,000 or less said the same, according to a November survey by broker Redfin Corp.
OWNER WILL CARRY: PORPERTY TAX SAVINGS
OWNER WILL CARRY: PORPERTY TAX SAVINGS: Steps for Saving Thousands IN PROPERTY TAXES. The Street John Persinos Here's a legal way to save thousands of dollar...
OWNER WILL CARRY: GOOGLE MARKETING
OWNER WILL CARRY: GOOGLE MARKETING: Make Your Content Climb to the Top of a Google Search. By Carie Ferg, Manta Editor - December 14, 2015 Content marketing used to be si...
Eloise Figueroa Real estate Broker: Eloise figueroa How to estimate the value of your ...
Eloise Figueroa Real estate Broker: Eloise figueroa How to estimate the value of your ...: Property Surveyor : who to assess his property ? To estimate the value of his property is a crucial step for a successful sale. There are ...
Monday, December 14, 2015
ELOISE FIGUEROA: TRAVEL EXPENSES.
ELOISE FIGUEROA: TRAVEL EXPENSES.: Travel Expenses to Budget for Now. U.S. News & World Report With just a few weeks until 2016, now is the time to set travel goals a...
ELOISE FIGUEROA: FED RATE MOVE.
ELOISE FIGUEROA: FED RATE MOVE.: Mystery of Missing Inflation Weighs on Fed Rate Move. WSJ.COM Federal Reserve officials this week are expected to raise interest ...
ELOISE FIGUEROA: ICONIC 747
ELOISE FIGUEROA: ICONIC 747: The Fate of America's Iconic 747 Jet Is in Hands of Moscow Firm Time is running out for Boeing Co.’s iconic 747 jumbo jetliner, the pla...
TROPICAL GARDENS: LUXURY TROPICAL RESIDENCES ST. LUCIA, CARIBBEAN
TROPICAL GARDENS: LUXURY TROPICAL RESIDENCES ST. LUCIA, CARIBBEAN: Sugar Beach @ SugarBeach1 Sugar Beach Residences is luxury Caribbean real estate available to buy on the stunning island of St Lucia. L...
ELOISE FIGUEROA: IMMIGRATION NEWS.
ELOISE FIGUEROA: IMMIGRATION NEWS.: Immigration officials prohibited from looking at visa applicants' social media posting. Homeland Security Secretary Jeh Johnson deci...
ELOISE FIGUEROA: ELOISE FIGUEROA: ELOISE FIGUEROA: Eloise Figueroa ...
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ELOISE FIGUEROA: FED TO RAISE RATES 2016?
ELOISE FIGUEROA: FED TO RAISE RATES 2016?: This week: Fed likely to raise rates for first time since 2006. Paul Davidson , USA TODAY 9:51 a.m. EST December 14, 2015. This week b...
ELOISE FIGUEROA: SYRIA GAINS POWER.
ELOISE FIGUEROA: SYRIA GAINS POWER.: Russian airstrikes are bolstering Syrian dictator's grip on power. Jim Michael...
ELOISE FIGUEROA: ANXIETY ABOUT MUSLIMS. "THE EXCLUSION ACT OF 1882"...
ELOISE FIGUEROA: ANXIETY ABOUT MUSLIMS. "THE EXCLUSION ACT OF 1882"...: Long before anxiety about Muslims, Americans feared the 'yellow peril' of Chinese immigration. msn.com Donald Trump’s proposa...
ELOISE FIGUEROA: MALLS EVACUATED THIS HOLIDAY.
ELOISE FIGUEROA: MALLS EVACUATED THIS HOLIDAY.: Malls in 3 U.S. states evacuated on busy holiday shopping day. MSN.COM Thousands of shoppers were evacuated from malls in at lea...
ELOISE FIGUEROA: OREGON JACKPOT RAISES QUESTIONS.
ELOISE FIGUEROA: OREGON JACKPOT RAISES QUESTIONS.: Iraqi’s Oregon Jackpot Raises Questions on Lottery Sales. MSN.COM SEATTLE — The man from Baghdad showed up unannounced this month...
ELOISE FIGUEROA: SEARCH FOR SHOOTERS' HARD DRIVE.
ELOISE FIGUEROA: SEARCH FOR SHOOTERS' HARD DRIVE.: Search for shooters' hard drive concludes in California lake. MSN.COM A member of the FBI dive team searches Seccombe La...
ELOISE FIGUEROA: YAHOO'S LATEST GAME PLAN.
ELOISE FIGUEROA: YAHOO'S LATEST GAME PLAN.: Big investors rip Yahoo's latest game plan. Less than a week after Yahoo scrapped plans to spin off its Alibaba stake and inst...
Sunday, December 13, 2015
Saturday, December 12, 2015
ELOISE FIGUEROA: RETIREMENT LIVING NEWS
ELOISE FIGUEROA: RETIREMENT LIVING NEWS: Retirement Living News November/December 2015 NEWS STORIES AARP Launches $40 Million Fund for Senior-Focused Ventures AARP has ...
ELOISE FIGUEROA: RETIREMENT NEWS
ELOISE FIGUEROA: RETIREMENT NEWS: Come to find out, there are actually scenarios to where you will need to pay some taxes on your Social Security benefits. If you make a com...
ELOISE FIGUEROA: ELOISE FIGUEROA: ELOISE FIGUEROA: Property for sal...
ELOISE FIGUEROA: ELOISE FIGUEROA: ELOISE FIGUEROA: Property for sal...: ELOISE FIGUEROA: ELOISE FIGUEROA: Property for sale by 'Brittany Co... : ELOISE FIGUEROA: Property for sale by 'Brittany Corporation...
Friday, December 11, 2015
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...: Eloise Figueroa Real estate Broker: Eloise figueroa How to estimate the value of your ... : Property Surveyor : who to assess his property ?...
Thursday, December 10, 2015
Eloise Figueroa Real estate Broker: meeting of several people by Eloise figueroa
Eloise Figueroa Real estate Broker: meeting of several people by Eloise figueroa: Do your employees speak enough together? Our belief is that talking together enough in the workplace is essential for good / the best of bus...
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...
OWNER WILL CARRY: Eloise Figueroa Real estate Broker: Eloise figuero...: Eloise Figueroa Real estate Broker: Eloise figueroa How to estimate the value of your ... : Property Surveyor : who to assess his property ?...
SMALL BUSINESS TRENDS
NFIB Research Foundation has collected Small Business Economic Trends data with quarterly surveys since the 4th quarter of 1973 and monthly surveys since 1986. Survey respondents are drawn from NFIB’s membership. The report is released on the second Tuesday of each month. This survey was conducted inNovember 2015. A sample of 3,938 small-business owners/members was drawn with 601 usable responses received for a response rate of 15%.
NOVEMBER 2015 REPORT:
SMALL BUSINESS ECONOMIC TRENDS
SMALL BUSINESS OPTIMISM COLLAPSES IN NOVEMBER AFTER THREE STAGNANT MONTHS
NFIB SMALL BUSINESS OPTIMISM INDEX DROPPED 1.3 POINTS TO 94.8
NFIB’s Small Business Optimism Index collapsed unchanged in October, posting no change after a rise of only 0.2 points in September and a gain of only 0.5 in August.
“During this holiday season, small business owners are finding little to be hopeful or optimistic about including the economy in the New Year. This month’s Index continues to signal a lackluster economy and shows that the small business sector has no expansion energy whatsoever.
“Uncertainty in DC, federal agencies playing politics and a President that is willing to punish the current economy for inconsequential environmental benefits in the future indicates that business conditions will not be revived anytime soon. Even though there is talk that the Fed will be raising rates this month, it will hardly signal that they are feeling more optimistic about the economy.
“Overall, the outlook remains the same with a slow 2 percent-ish growth and there is still not much pressure on prices from Main Street. All we can do at this point is hope for a more business friendly New Year.” — Bill Dunkelberg, NFIB Chief Economist
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