economy: Dr. Lawrence Yun NAR's Chief Economists speech in Boise Idaho - 10/19/09 10:08 AM
It was a pleasure listening to Dr. Yun's perspective again today as he tailored his speech to the Idaho market.  I have had the privilege of hearing him speak at several NAR meetings in Chicago and in Washington, DC previously.
Some of the key take away points for me today included:
Of the $800 million in stimulus money handed out , $10 million of it is doing what it was intended and that is the $8K First Time Homebuyer Tax Credit; The market is still not quite self sustaining since many buyers are still on the sidelines concerned about even lower pricing; … (5 comments)

economy: Consumer Credit Debt Finally Declining In US! - 09/14/09 08:22 AM
I was initially surprised to hear the Federal Reserve claim that consumer credit debt fell in July of this year by $21.6 billion which is an annual rate of 10.5%!  It was the biggest decline since record keeping began in 1943.
After I thought about it, I realized that the credit tightening and write downs of existing debt probably both had a lot to do with these numbers, not just consumer spending habits and desires.
Just another $2.47 trillion to go before we balance the consumer debt in this country!  

economy: Stimulous package that might really stimulate! - 08/09/09 04:13 PM
We have all heard people griping about stimulas this and stimulate that, but most of us have yet to see much of an impact.  I tried to use the stimulas package to upgrade my AC unit; but couldn't without upgrading my newer furnace that didn't need to be replaced anytime soon.  I had a contractor come look at my windows and prepare a bid, but the windows just barely were below the cut off for the stimulous package and the next two would still be thousands more even after the refund!
I started thinking about what could really be done to … (3 comments)

economy: Dr. Jed Smith, Managing Director of Quantitative Research at NAR's comments on the market. - 10/10/08 07:48 AM
I was fortunate enough to have dinner last night with Dr. Jed Smith on his trip to Boise to talk to the Ada County Association of Realtors Annual meeting. With the current upheval in the financial markets, we couldn't have chosen a better time to get his insight. A few key points he made was that he felt we were really close to the turn around point of the housing market because:
Inventory is shrinking,  we aren't adding in new inventory very fast (new construction slowdown), interest rates projected to stay low; we have corrected many of the things that … (1 comments)

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