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It’s Over: The Housing Bubble Just Popped bsocially 11 Lượt xem • 4 năm trước kia

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THE 2022 HOUSING MARKET:

CNBC reports that “the number of new listings last week jumped 8%, right as the average borrower is paying 38% MORE than they would for the same home, a year ago.” In response to that, 12% of homes had a price drop…which is 9% HIGHER than a year ago, with these kinds of drops occurring faster each month.

In addition to that, The Federal Reserve is warning of a Housing Market Bubble - They show that - throughout 1999 through 2008 - the market experienced irrational exuberance, just like it’s showing NOW - from 2020 until…who knows how long. Housing is so popular, too, that 11 out of 25 countries are seeing the EXACT SAME EXCITEMENT for the real estate market - with CANADA leading them all, with the largest price gain, year over year.
https://www.dallasfed.org/research/ec...

Even though there is an imbalance between the “Price to rent ratio,” “price to income” IS HIGHER than normal…but, still not “exuberant.” They explain that recent patterns may prove to be a less-useful measure of home affordability, because low interest rates and stimulus allowed more money to be spent…so, this chart MIGHT be overly cautious when valuing something we haven’t quite seen before.

FIRST: They believe that MILLENNIALS AND GEN Z WILL KEEP THE MARKET STRONG.
They reported that most first-time buyers are younger than 40, which means the buyer pool is deep, and indicates that demand will likely remain elevated.

SECOND: SUPPLY CAN’T KEEP UP WITH DEMAND
They say that the “supply-demand imbalance is the primary reason home prices have escalated so rapidly”

THIRD: UNLIKE 2008, BUYERS ARE LESS LIKELY TO DEFAULT ON THEIR MORTGAGE.
Today, more than 76% of mortgages go to borrowers with a credit score EXCEEDING 760, lending standards have increased, and home equity is at a record high.

FOURTH: A DECLINING ECONOMY COULD IMACT HOUSING VALUES.
They mention that, rising interest rates could put a damper on consumer spending, which increases the likelihood of a recession.

AND FIFTH: MOST PREDICTIONS INDICATE THAT HOUSING PRICES WILL CONTINUE TO RISE - BUT SLOWER.
For instance, the Mortgage Bankers association predicts a 4.8% increase throughout 2022…CoreLogic expects a 6% increase…and Realtor.com predicts a 2.9% increase.

That’s why, I believe - the biggest deterrent for housing prices is going to be: “How quickly do interest rates go up, how much inventory is there on the market, and how many people want to buy a home?”

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ENCANTO Songs Promo Trailer bsocially 11 Lượt xem • 4 năm trước kia

Encanto official promo song clips & trailer for Disney's 2021 musical animation, the tale of an extraordinary family, the Madrigals, who live hidden in the mountains of Colombia in a magical house, in a vibrant town, in a wondrous, charmed place called an Encanto. The all-new original film features the voice of Stephanie Beatriz as Mirabel, an ordinary 15-year-old who’s struggling to find her place in her family.

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“Mirabel is a really funny, loving character who also deeply yearns for something more,” says Beatriz. “She’s also not afraid to stand up for what she knows is right—something I love and relate to very much.

“I’m Colombian on my father’s side, and playing this role fills me with immense pride,” continues Beatriz. “As a Disney kid, I’d burn through my VHS tapes and adored every single magical story that the world of Disney introduced me to. I learned in those that stories that anything is possible, especially if you believe in magic and the goodness rooted deep inside us all.”

In the film, the magic of the Encanto has blessed every child in the family with a unique gift from super strength to the power to heal—every child except one, Mirabel. But when she discovers that the magic surrounding the Encanto is in danger, Mirabel decides that she, the only ordinary Madrigal, might just be her exceptional family’s last hope. The voice cast also includes María Cecilia Botero, Wilmer Valderrama, Adassa, Diane Guerrero, Mauro Castillo, Angie Cepeda, Jessica Darrow, Rhenzy Feliz and Carolina Gaitan.

The new trailer includes an original song from the film, “Colombia, Mi Encanto,” performed by 17-time GRAMMY® and Latin GRAMMY winner, singer, songwriter and actor Carlos Vives, who’s a native of Santa Marta, Colombia. “This song is a celebration of the magical diversity of Colombia,” says Vives. “I can’t wait to see how the music will blend with the images and the characters inspired by the ‘encanto’ of Colombians.”

The film features all-new songs by Lin-Manuel Miranda (“Hamilton,” “Moana”) and is directed by Byron Howard (“Zootopia,” “Tangled”) and Jared Bush (co-director “Zootopia”), co-directed by Charise Castro Smith (writer “The Death of Eva Sofia Valdez”) and produced by Clark Spencer and Yvett Merino. Bush and Castro Smith are screenwriters on the film. The filmmakers were deeply inspired by their research trip to Colombia during early development of “Encanto,” as well as their continuous work with a group of expert consultants assembled through the course of the film’s production. Walt Disney Animation Studios’ “Encanto” opens in cinemas November 26, 2021.