#RateWatch

[theshulergroup]

Many homeowners are holding off until rates drop to a “magic rate.” Discover what rates homeowners need to feel comfortable selling.

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Billy Shuler

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[919mortgages]

What's with Rates!?!? Week of Nov 18th 2024 - Mortgage Insider Predicts Where Rates Are Headed

What's with Rates!?!? Week of Nov 18th 2024 - Mortgage Insider Predicts Where Rates Are Headed https://www.youtube.com/watch?v=PIx_rU_LFs0 What's with Rates This Week Nov 4th 2024 https://rates.themortgage.app/s/whats-with-rates Welcome to What's with Rates!?!?, your go-to source for understanding the ever-changing mortgage rate landscape. In this week's episode, we break down the latest trends in mortgage rates, combining technical analysis with key economic factors to help you anticipate where rates might be headed. Whether you're a potential homebuyer, real estate investor, or just trying to stay informed, this video is packed with insights you won't want to miss. Dive into the critical indicators impacting mortgage rates this week, including inflation reports, employment data, and shifts in consumer spending. We’ll explore how these factors influence the Federal Reserve's approach to interest rates and what that means for your next big financial decision. Plus, we’ll touch on global economic events and their ripple effects on the U.S. housing market. Our technical analysis segment gives you a visual breakdown of the numbers, highlighting trends in the bond market and what they reveal about rate movements. By connecting the dots between data and decision-making, we aim to give you a clearer picture of the mortgage market so you can stay ahead of the game. Don't forget to hit that subscribe button and turn on notifications to stay updated with What's with Rates!?!? each week. Share this video with anyone navigating the real estate world or keeping an eye on their finances. Let’s demystify mortgage rates together and make smarter financial moves! https://themortgage.app/jason-iacovelli Follow us on TikTok at https://www.tiktok.com/@mortgagetok #MortgageRates #InterestRates #FederalReserve #HomeBuyingTips #RealEstateInvesting #HousingMarket #FinancialPlanning #LoanLife #RateWatch #DebtFreeDreams #MoneyMatters #HomeSweetLoan #RealEstateMarket #MarketTrends #PersonalFinance #InflationInsights #HousingBubble #MortgageMadness #EconomicUpdate #RateAnalysis #WealthBuilding #HomeLoanTips via Beyond TheMortgage App https://www.youtube.com/channel/UCorkoJFwGLolBCXdUTR6_pA November 19, 2024 at 02:16PM

[tatewhalun]

In life, always move strategic. DMV from the Executive Collection⌚️ #tatewhalun #explore #exploreme #watchspirit #menswatch #micro brand #wis #watchfans #watch community #watchfreak #watchdaily #lovewatches #ratewatch #iconicwatches https://www.instagram.com/p/B9klRjPH-xf/?igshid=ba2cjqln1k88

[luxurydays]

An extremely rare automatic platinum minute repeater with enamel dial, it was sold celebrate faunded 150th anniversary #patekphilippe #3979 #aniversary #150th #luxurydays #christies #newyork #auction #platinum #ratewatch #patekcollector #patekholic #hodinkee #nofilter

[mortgagebrokerplanotx]

Luxury home values appreciate in California

Contents

Fast break 360 degree slam dunk

California luxury homes

International realty network

Chic american riviera

Zillow

This home comes with everything from an outdoor shower to an indoor study, making it one of the fanciest mobile homes we’ve.

Meanwhile, further south, Los Angeles area values rose 6.1% from the second quarter of last year and 3.3% from the first quarter of 2013, with the average luxury home posting a price of $2.1 million.

More than 1 million HAMP mods canceled Making Home Affordable Program Performance Report Through november 2013 report highlights More Than 1.9 Million Homeowner Assistance Actions Taken through Making Home Affordable Nearly 1.3 million homeowners have received a permanent modification through the Home Affordable Modification Program (HAMP).What to watch out for in the 2014 MBS market Spot market trends with historical market data Beat your competition by being the expert RateWatch takes the guesswork out of key decisions. Designed to help make understanding market changes simple, RateWatch is the first app to deliver the vast array of market insight professionals need on smartphones and tablets. App Interaction.

Home prices continued their seasonal increase in most of California’s largest metros in June 2019. Home prices rose compared to the prior month across most price tiers in Los Angeles, San Diego and San Francisco. This marginal rise followed the price decrease that took place from August 2018 through early 2019.

Slam Dunk Stimulus – The Natural History of a Rumor Negative equity gap nears $4 trillion  · Quantitative Easing. In response to the financial crisis, the Federal Reserve conducted three rounds of QE, which saw the Fed’s balance sheet swell to $4.5 trillion. This money was funneled into the economy through the capital markets, that resulted in higher corporate debt, which was used for acquisitions and stock buybacks,Paul George gets the Air Canada Centre faithful all riled up after he throws down an uncontested fast break 360 degree slam dunk. it’s only natural that George would put up a highlight reel worthy.

C.A.R.’s California & County Sales & Price Report for detached homes are generated from a survey of more than 90 associations of REALTORS® and MLSs throughout the.

Search for california luxury homes with the Sotheby’s international realty network, your premier resource for California homes. We have 3,584 luxury homes for sale in California, and 36,530 homes in all of United States. Homes listings include vacation homes, apartments, penthouses, luxury retreats, lake homes, ski chalets, villas, and many.

California is also home to Santa Barbara, the chic american riviera with its fantastic seafront homes, Malibu with its beaches and chilled-out San Francisco with its varied neighbourhoods and laid-back culture. The Golden State has many attributes which attract luxury buyers from all over the world looking for a great lifestyle and climate.

The region is likely to follow trends seen in some hard-hit California markets, where prices fell dramatically about 18 months. Poorly situated condos and luxury homes will likely trail the rest of.

A warning last week by Bay St. economist David Rosenberg that home prices. The luxury market was the first to be hit in the downturn. “The more expensive the property, the fewer the buyers. But.

California’s Housing Market Forecast. This report covers key housing market data including California home prices, sales, recent trends from CAR, NAR, Statista, zillow and more, and predict what might be next for 2020.. Unlike many other US housing markets, California real estate prices have sagged, and the experts believe taxes and departing businesses are the reason.

The chart below illustrates year-over-year changes in home values using the 3-month period of December, January and February sales: 6.4% appreciation in median sales prices and 11.5% for dollar per square foot values since last year.

5 charts show how Wells Fargo plans to grow its mortgage business Business Communications Consultant Wells Fargo Advisors September 2012 – June 2017 4 years 10 months. Greater St. Louis Area * Manage and provide strategic communication planning for various FA.

The post Luxury home values appreciate in California appeared first on Mortgage Broker Plano Texas.

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[jacquelynnadina]

S&P Global plans acquisition of RateWatch

S&P Global announced plans to acquire B2B data business RateWatch from TheStreet. RateWatch will be integrated into S&P Global Market Intelligence, a division of S&P Global that provides individuals, companies and governments intelligence through financial and industry data, and news research. S&P Global plans acquisition of RateWatch published first on Real Estate News

[coloradofinanceorganization]

S&P Global plans acquisition of RateWatch

S&P Global announced plans to acquire B2B data business RateWatch from TheStreet. RateWatch will be integrated into S&P Global Market Intelligence, a division of S&P Global that provides individuals, companies and governments intelligence through financial and industry data, and news research. from Informer Digest Feed https://www.housingwire.com/articles/43731-sp-global-plans-acquisition-of-ratewatch

[daisyckinguk]

TheStreet Posts Gain as Business-to-Business Revenue Rises

TheStreet Inc. () , a major financial news and information company, reported second-quarter earnings of $300,000, or 1 cent per share, compared with a year-earlier reduction of $1.2 million, or 3 cents.

Earnings of $16 million fell 2% from $16.3 million in precisely the identical quarter of 2016, representing declines in premium partnerships and licensing and syndication. This represents an improvement in the first quarter of 2017 in which  earnings fell 5 percent, approximately $ 800,000 in precisely the identical quarter of the calendar year.

Business-to-business earnings, comprised of The Deal, BoardEx along with RateWatch, climbed 4% to $7.9 million. TheStreet stated earnings made up 49 percent of total earnings in the quarter compared to 46 percent for the same quarter.

TheStreet stated Tuesday, Aug. 1, that adjusted Ebitda in the second quarter was $2.2 million, an increase of $1.5 million or 215%.

Operating costs in the second quarter fell 10 percent to $15.4 million from $17.2 million a year earlier.

“Our turnaround is now gaining momentum,” explained David Callaway, TheStreet’s president and CEO. “Costs are down. Money is upward. Revenue, and significantly deferred earnings, continues to grow, along with our news coverage is currently attracting advertisers. On the subscription side, we’re paring declines and seeing improvement each week.”

from network 10 http://b2bwebsiteprofits.com/thestreet-posts-gain-as-business-to-business-revenue-rises/

[b2bwebsiteprofits]

TheStreet Posts Gain as Business-to-Business Revenue Rises

TheStreet Inc. () , a major financial news and information company, reported second-quarter earnings of $300,000, or 1 cent per share, compared with a year-earlier reduction of $1.2 million, or 3 cents.

Earnings of $16 million fell 2% from $16.3 million in precisely the identical quarter of 2016, representing declines in premium partnerships and licensing and syndication. This represents an improvement in the first quarter of 2017 in which  earnings fell 5 percent, approximately $ 800,000 in precisely the identical quarter of the calendar year.

Business-to-business earnings, comprised of The Deal, BoardEx along with RateWatch, climbed 4% to $7.9 million. TheStreet stated earnings made up 49 percent of total earnings in the quarter compared to 46 percent for the same quarter.

TheStreet stated Tuesday, Aug. 1, that adjusted Ebitda in the second quarter was $2.2 million, an increase of $1.5 million or 215%.

Operating costs in the second quarter fell 10 percent to $15.4 million from $17.2 million a year earlier.

“Our turnaround is now gaining momentum,” explained David Callaway, TheStreet’s president and CEO. “Costs are down. Money is upward. Revenue, and significantly deferred earnings, continues to grow, along with our news coverage is currently attracting advertisers. On the subscription side, we’re paring declines and seeing improvement each week.”

from b2b website profits http://b2bwebsiteprofits.com/thestreet-posts-gain-as-business-to-business-revenue-rises/

[blogbigdaddydennis]

How will Texas commercial lenders re-tool their lending efforts in the after math of Hurricane Harvey? A report by the Cleveland Federal Reserve may shed light.

 The study demonstrates that the need for financing by disaster victims won’t be immediate. Lending activity subsides in the after math of major disasters. But within a six month period, as impacted economies recover, lending activity picks up considerably. The study indicates that small local banks increase lending by 25 percent in the year following a major disaster. How do these small banks manage to lend more money, when no doubt such disasters result in immediate loses?

  The report outlines three specific strategies

Texas commercial lenders

may implement to raise capital and meet the increased demand for loans.

 New loans will increase in areas of Texas directly impacted by Harvey and lending will decline in areas that saw little to no impact from the storm. The report claims banks shift their activity in order to meet the increased demand for new loans in impacted areas. This shift is demonstrated in Home Mortgage Disclosure Act (HDMA) data citied in the report. Every dollar lent in a disaster area is a 42-50 cent decrease in lending in areas that remain unaffected. While banks concentrate on impacted areas, capital becomes harder to access in other markets. This spreads the economic influence of major disasters throughout the economy.

 New mortgages will be securitized and sold off at a higher rate. Selling new mortgages onto secondary markets helps local banks meet increased demand for loans in disaster areas. The new mortgages will be for smaller amounts, under the conforming loan limit in order to qualify for government backing. The government guarantee helps prop up lending activity in disaster areas. HDMA data in the report confirms this trend. Banks avoid the risk of doling out long term loans on the basis of short-term deposits. Local banks can therefore replenish capital each time they issue a new loan by securitizing and selling off new loans. Having this money on hand helps banks meet increased demand for loans in impacted areas. However the conforming loan limit may impact the size of mortgages issued by local banks in the long run. Local banks are therefore less likely to issue large mortgages in the immediate future.

 Banks will increase interest rates on deposits in the short term, in order to attract additional capital. Local banks will compete with one another in order to secure new deposits and meet the demand for new loans. This competition requires banks to raise interest rates paid on savings accounts. Such competition is likely to occur in markets connected, but otherwise not impacted by Hurricane Harvey. Ratewatch data cited in the report finds local banks increase the interest paid on short term CD’s by 20 percent when compared to average rates.

 Texas commercial lenders

may or may not implement the strategies outlined above to meet the increased demand for loans.

 The study indicates that lending will increase in areas that felt the brunt of Harvey’s impact, that new mortgages will be for smaller amounts and savings accounts will pay out higher interest rates. Whether this will hold true in the case of Hurricane Harvey remains to be seen.

[coast2coastchat]

New Post has been published on Coast 2 Coast Chat

New Post has been published on http://coast2coastchat.com/2017/09/customer-servicedata-entry-2/

Customer Service/Data Entry

RateWatch Location : Fort Atkinson WI US Represent RateWatch and TheStreet by upholding our impeccable customer service and quality standards. Monitor and gather interest rate and fee data from various…

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[tatewhalun]

Metropolitan with green and blue nato strap. #tatewhalun #explore #exploreme #watchspirit #menswatch #micro brand #wis #watchfans #watch community #watchfreak #watchdaily #lovewatches #ratewatch #iconicwatches https://www.instagram.com/p/B9KJL_7hsEL/?igshid=1jv314ztowjx7

[expertfront]

Charles Schwab Intelligent Portfolio Reviews

Charles Schwab has long been an industry leader in the robo-adviser space.Those who follow Charles Schwab Intelligent Portfolio reviews know they were the first major online company tointroduce the concept, they continue to stay ahead of their competition with unique online offerings and their fee-free account management policy.

The Schwab Intelligent Portfolios manage over $10 billion in assets and obtain earnings from the funds traded through the exchange in its managed portfolios.The revenue stream includes both third-party funds and their own funds, and the expense ratios are paid through the fund investors.

Investors who can meet the $5,000 account minimum and aren’t averse to a portfolio with a relatively high cash allocation are a good fit for this robo-advisor choice.

In this Charles Schwab Intelligent Portfolio review, we’ll examine the product to help you better understand how the product works, its features, the best type of investor for the product, andpotential drawbacks, to give you the tools you need to decide if this is the best investment choice for you.

At A Glance Summary of Charles Schwab Intelligent Portfolio

Here we’ll highlight the basics of what you need to know about this online robo-advisor investment option.

Account Basics

Investors need a minimum of $5,000 to open an account with Charles Schwab.There are no management fees, or annual account, transfer, or closing fees. Accounts supported include:

IRAs- Traditional, Roth, and Rollover

Non-retirement accounts- Individual and Joint

Custodial accounts and trusts

Automatic rebalancing on all accounts

Free tax-strategy analysis for investors with $50,000 and above

Customer support over phone or online chat available 24/7

Investment Information

The investment scope includes:

53 exchange-traded funds (ETFs) that cover 20 different asset classes Options include stocks, bonds, emerging markets, real estate investment trusts and commodities.

How it Works

Charles Schwab touts state-of-the-art asset allocation based on current asset allocation algorithms that also take into account your appetite for risk.Users can manage behavior considerations, including whether avoiding losses is more important that acquiring gains.This allows Charles Schwab to manage funds to your preference for loss aversion.

The asset allocation goes beyond the traditional stocks, bonds, and cash blend.Non-traditional asset classes that include hot commodities like gold are part of the mix, and stocks and bonds are managed in a variety of sub-asset classes.Investors can view stocks in their portfolio grouped by large and small, domestic and international, and emerging versus developed markets.Bond allocations could include high-yield bonds, corporate bonds, agencies, and Treasuries.

Users will primarily fall into one of Charles Schwab’s three different asset allocation philosophies:

Traditional diversification:Someone who chooses their asset classes based on the desire to maximize the expected return for a given level of risk.

Risk budgeting:An investor whose goal isto diversify the sources of risk across multiple asset classes.

Goal-driven:A user planning for a more specific goal, like achieving an absolute return.

For more information on the specifics of asset acclamation, review Charles Schwab’s White Paper.

Features

Several key features that make Charles Schwab Intelligent Portfolio an attractive option for investors.The key areas their product shines are as follows.

Free Account Management

Unlike most robo-advisors who charge both a management fee and for investment expenses, Schwab investors payno management fees, commissions to brokers, or account fees on their Intelligent Portfolio accounts.

However, users will pay expense ratios based on the investments you choose, and many ofthose are Schwab funds.That’s how they pay for the service.That said, even with those expenses ratios for the most aggressive risk portfolios, the service can still be less costly with other online advisors.

According to Schwab, their weighted average expenses in their initial portfolio allocations that they recommend to individual advisors are:

Conservative portfolio: 0.07%.

Moderate-risk portfolio: 0.16%.

Aggressive portfolio: 0.21%.

Customizable

Personalized investing is important, and Schwab takes it seriously.Customers answer questions online to develop a customized profile based on goals, time constraints, and risk profile.Investors can accept these results, or make additional changes to the allocations bychoosing upto three ETF’s to remove and replace with an alternative investment.

Accurately Track Goals

Whether you have short or long-term financial goals in mind, keeping your finger on the pulse ofyour investments is one key to success.The Goal Tracker feature in Schwab Intelligent Portfolio allows you to customize a savings or income goal and receive daily feedback on how you’re tracking.

The tool uses simulations based on the sophisticated Monte Carlo design that looks at your returns in multiple random scenarios and calculates if you are on target, at risk, or off target for reaching your goals.The feature will then recommend adjustments that improve your likelihood of achieving your target if you’re off track.

This tool offers valuable insight for investors, especially if you’re nearing retirement and are about to start drawing income from your investments.The algorithm is an active way of monitoring how your withdrawals affect the future of your income stream and allow you to make course corrections to ensure you don’t run out of money in retirement.

Potential Drawbacks

Although the Schwab product has many upsides, it also has two potential drawbacks depending on your investment strategy.The first is that their plan includes a comparatively large allocation of portfolios to cash.You will have a minimum of6%upto a maximum of 29.4% of total portfolio holdings that are managed in a deposit account and earn interested based on the $10,000 level of average money market rates according to RateWatch.

This allocation can create a cash drag, producing low single-digit returns, that while safe, aren’t being actively managed in a fund with the potential for large gains.

The second potential drawback for smaller investors is the high limit for access to a tax-loss advisor. Users need to have a minimum of $50,000 invested in their taxable accounts to use the service.

Who Would Benefit

Although Intelligent Portfolios have a few drawbacks, this isan excellent robo-advisor choice for investors who want to put their money with a well-known and established company.

Someone with a minimum of $5,000 who doesn’t want to pay any advisory and account service fees or commissions to brokers are a good fit for this product.Additionally, the tools make iteasy for beginner investors or anyone who wants to choose from a wide range of exchange traded funds and asset classes to get into the investment game.IRA investors or those nearing retirement age are also good candidates because of the goal tracking features.

Final Thoughts

When it comes to online robo-advisors, Charles Schwab Intelligent Portfolios reviews fall closely in line with several others in the marketplace.The main advantage to this advisor is the size ofthe company and the experience they have in developing divested portfolios for clients with different goals and risk attitudes.

What makes this product stand outis the range of investments available, the ability to customize beyond their initial recommendations, and the free account management.This is a good fit for clients who are comfortable with high cash allocations, and who want a trusted name managing their money.

The post Charles Schwab Intelligent Portfolio Reviews appeared first on ExpertFront.

from ExpertFront https://www.expertfront.com/2017/04/27/charles-schwab-intelligent-portfolio-reviews/

[suppliertynews]

More than 69% of small business owners hate online banking

More than 69% of small business owners hate online banking

Only a few small business owners have positive perceptions and feelings about online banking. RateWatch conducted a survey of 215 US-based small businesses and learned that more than 69% percent of owners do not have a positive perception about online baking while only 34 percent of those same owners have never used mobile banking. Even though online banking seems more accessible and less time…

[masscentralmedia]

Most Small Business Owners Have Negative View of Mobile Banking

Most Small Business Owners Have Negative View of Mobile Banking

Small businesses are generally early adopters of technology, but a new survey conducted by RateWatch on the subject of mobile banking says otherwise.

According to the survey, which was conducted in the third quarter of 2016, the perception of 69 percent of the respondents regarding this technology was not positive. Another data point in the survey corroborates this fact, as 34 percent never used