Tag Archives: Federal Reserve

Banks, Crude Oil, Mark-To-Market, The Federal Reserve And Yes, Real Estate!

Why you may be asking yourself is this title insurance guy incessantly writing about non-real estate related issues?  The answer is of course that the economy, and the real estate sector specifically, are all impacted by what is happening to the global economy. And this includes the oil industry, bank loans to the oil industry, high yield debt from oil industry related corporations and […]

Subprime Mortgages – They’re Ba-ack!

1

Summary: With an eight-year easy money policy from the Federal Reserve (ZIRP) and real estate prices in some regions above pre-financial crisis highs, subprime mortgages are making a comeback! Subprime mortgage loans yes, but apparently not in the pre-2008 financial crisis form of ‘Liar Loans’! Liar Loans: ‘A category of mortgages known as low-documentation or no-documentation […]

Instant Replay! ‘U.S. Business In The Hands Of Federal Reserve Academicians!’

The Federal Reserve, after raising its benchmark fed funds rate .25% in December 2015, yesterday left rates unchanged! The December increase was implemented despite inflation remaining well below the Fed’s target rate of 2% and in the face of an economic recovery that could be, at best, termed tepid. At the time some speculated that […]

Monday Morning Links: Why Are Stock Futures Down Over 300 Points*? (January 4, 2016)

As we head into 2016 the economic news out of China leaves something to be desired! And if China sneezes, does the rest of the world catch a cold? ‘Asian markets tumbled Monday on the first day of trading in 2016, with declines so steep in mainland China that authorities halted trading there for the […]

If Money-Printing Equals Inflation, Why Don’t We Have Any?

inflation,federal reserve balance sheet

Summary: Real estate and stocks have been doing very well but… Economics 101 says we should have inflation after the amount of money the Federal Reserve has put into the system! But we don’t and this article explains why… The global central banks have injected many trillions of dollars into their given economies looking for […]

Federal Reserve Gradualism: A Dangerous Game?

In a move many market participants felt was long overdue, at its most recent meeting the Fed raised the fed funds rate .25%! And, after parsing the language in Janet Yellen’s statement, the belief is that 2016 may see two or three more hikes of .25% each leaving the fed funds rate in the .75%-1% range at the end of […]

Junk Bonds: No Free Lunch!

Summary: At two of the Wall Street firms I traded at there actually were free lunches! But at some point in time when the markets turned the free lunches would always come to an end! This concept of no free lunches holds true whether one is investing in real estate, junk bonds, stocks or commodities! Flashback […]

US CMBS Delinquency Data For November (Infographic)

CMBS,commercial real estate,

As we approach the first Federal Reserve induced interest rate increase in about nine years, the impact on CMBS down the road will definitely bear watching! Given the way that the underwriting of commercial mortgage loans is done and the impact that an increase in rates might have on borrower credit quality, debt service coverage ratios […]

In Which U.S. Cities Do Apartment Renters NEED To Have A Roommate?

apartment rentals,NYC,lifestyle

In other words in which cities around the U.S. is the cost to rent so high that having at least one roommate is not really an option, but is a necessity? Having a twenty-something child who recently moved into New York City, I know this problem first-hand! Of course the numbers concerning apartment sharing are […]

Monday’s Headlines: Protecting Your Money, First-Time Homebuyers And Developing Your Management Team

For busy professionals it can sometimes be difficult to find and read all of the articles around the internet that may be of interest! We have vetted many of those articles and present to you six that we believe may be useful to you both in your business and personally. The topics of these articles include real estate […]