Tag Archives: interest rates

Inflation And Mortgage Rates (Charts)

The Federal Reserve has two fundamental mandates: maximum employment and stable prices with an upper limit it sets for an acceptable inflation rate! When employment reaches a level that’s known as full and a strong economy results in a shortage of available qualified workers, upward wage pressure can cause the inflation rate to rise. Similarly, when commodity prices […]

Are 10-year Treasury Yields A Shot Across The Bow Of The Real Estate Market?

10-year treasury note chart

Over the past month or so Hallmark Abstract Service has explored whether blockchain may at some point in the future disrupt the title insurance industry (‘Can Blockchain Technology Ultimately Eradicate Any Need For Title Insurance In New York State?‘) ! In addition, potentially affecting real estate and real estate transactions are the issues surrounding the […]

Can U.S. Interest Rates Ever Rise?

historical U.S. inflation rate

While interest rates have risen from depths that saw the 10-year treasury yielding 1.36% on 7/3/16, to 2.25% today, given Fed plans to tighten and pledge to shrink its balance sheet should rates be even higher? The Fed will typically engage in the monetary policy of tightening and lift the Fed Funds rate when the two […]

Rising Rates Won’t Kill The Stock Market Rally, But What About Real Estate? (Chart)

Will an increase in borrowing costs bring the hammer down on homebuyers or, at these levels, is that concern much ado about nothing?

With the Janet Yellen-led Fed raising the fed funds target range while signaling more hikes may be in the immediate future, will rising rates kill the stock market rally? And, by the same token, will the rising mortgage rates that will accompany the Federal Reserve tightening policy bring the hammer down on the real estate market through […]

What ‘Brexit’ May Mean For The U.S. Real Estate Market!

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Now that the ‘Brexit’ vote is in the books and ‘Leave’ the EU side is the victor, what might this mean for U.S. real estate? Some facts we know… Global Stock Markets Are Swooning! The British Pound Is Getting Hammered Versus Other Global Currencies! Interest Rates Are Falling Precipitously!  The List Of 7 Potential Impacts From […]

‘Brexit’, Derivatives And Unemployed Drinkers!

financial risk

Summary: Whether we work in real estate, on Wall Street or maybe in the manufacture of widgets… What is the potential impact on global financial stability from a yes vote next week for Brexit? On June 23, 2016 Britain will be holding a referendum that will decide whether or not the country will remain in […]

The Credit Suisse Fear Barometer Hits A Record High!

VIX,fear index

Summary: With the VIX near its lows why are there two so very different sides to the same coin? For those unfamiliar with the Credit Suisse Fear Barometer it is another metric for gauging investor angst and expectation! Knowledge Is Power – Francis Bacon To the everyday stock market watcher the most commonly used metric for […]

Last Weeks Economic Acronyms: PIIGS, BDI, FOMC!

EU,PIIGS

How many acronyms will fit in one article title? For this weeks articles we’ll cap it at three! Many of this past weeks articles at the Hallmark Abstract Service blog focused on the global economy in conjunction with the turmoil in financial markets around the world. These three acronyms played a critical role… PIIGS: These are the five […]

Another Negative Century Milestone, 300, Pierced By The Baltic Dry Index (BDI)!

Before you ask yourself the question’ What is the Baltic Dry Index and why should I care if it drops?’, consider… Consider that the article titled ‘The Baltic Dry Index Falls To Historic Lows! One Question Though….‘ was written only ONE MONTH AGO when the BDI broke 400 for the first time ever (Note: The peak of […]

Oy Vey! Text Of Today’s Congressional Testimony From Janet Yellen…!

Janet Yellen,Federal Reserve,fed funds chart

Did Janet Yellen raise the fed funds rate in December only to turn around and lower it now? With the selloff in the equity market, sharp decline in the price of crude oil and uncertainty surrounding the U.S. and global economies, the LAST thing we need is for a crisis of confidence to develop concerning […]