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PCE Inflation Joins The Ho-Hum Chorus; What’s up With Money Supply?

January 30, 2023 by Brett Tams

The two reports most capable of surprising the market this week were Thursday’s GDP and Friday’s PCE.  While it’s always good to maintain some respect for potential surprises, weren’t looking for any major revelations in terms of the market’s reaction.  By some combination of their 2nd tier nature and the fact that they came in close to consensus, these reports caused no regret for those who hit the snooze button on this week’s volatility risk. In short, this week has been every bit the snooze-fest we suspected it might be.  Yields have been locked in an even narrower version of the 3.42-3.62 range set in early December (this week’s ceiling is more like 3.56%). Seeing as how the range is boring, let’s turn to something slightly more interesting.  There has been a seemingly newsworthy development in the economic metric known as “Money Supply.”  It declined in year-over-year terms for the first time ever this week.  Big news, right? Disclaimer: this is not something we’ve been focused on, nor is it something we think anyone should pay attention to, but it’s a topic that used to seem quite important decades ago and it refuses to die.  Periodically, it will be given quite a bit of coverage in financial media and even make the rounds among analysts/traders.  Now is one of those times.  Some analysts think it matters.  Most bring it up simply to shoot it down.  The latter is basically what’s going on in the following chart.   So if you find yourself at a social gathering this weekend and your friend who reads all those obscure financial newsletters, etc, remind them about the unprecedented spike in money supply that preceded this drop.  While you’re at it, maybe mention that financial scholars and practitioners who have even a shred of humility all agree that our understanding of money supply and its merit as a valuable economic indicator are, at best, debatable.  If that doesn’t work, maybe point out the extremely variable relationship between money supply and inflation.

Posted in: Refinance, Renting Tagged: All, assets, big, decades, Financial Wize, FinancialWize, good, Inflation, Make, market, markets, MBS, money, More, News, right, risk, time, volatility, will, work

Inflation slows to 7.1% in November, a boost for the housing market

January 30, 2023 by Brett Tams

Slower-than-expected inflation rate is good news for the housing market, which has suffered greatly from the affects of rate hikes.

Posted in: Mortgage, Mortgage Rates Tagged: 2, 2021, 2022, 2023, 30-year, action, affordability, Bank, before, Benefits, black, Black Knight, blue, Bureau of Labor Statistics, buyers, cars, color, Consumer Price Index, data, decades, Economy, energy, fed, Fed Policy, Federal Reserve, Financial Wize, FinancialWize, food, good, growth, home, Home Price, home price growth, home prices, Housing, Housing market, impact, index, industry, Inflation, inflation rate, interest, interest rate, interest rates, inventory, Investing, investors, jobs, labor market, lenders, Logan Mohtashami, low, Low inventory, LOWER, market, markets, More, Mortgage, MORTGAGE RATE, Mortgage Rates, Move, Moving, News, points, portfolio, president, rate, Rates, Rent, statistics, Style, the fed, time, Treasury, Unemployment, unemployment rate, volume, wages, will

Cosigners and Mortgage

January 30, 2023 by Brett Tams

Cosigners and Mortgage is a post from Pocket Your Dollars.

Posted in: Mortgage, Refinance Tagged: 2, All, Alternatives, ask, assets, Bank, big, building, Buy, buy a house, buyers, chance, chase, closing, closing costs, co-sign, co-signer, Conventional Loans, cosigner, cost, Credit, credit history, Credit Report, credit score, credit scores, Credit Scores and Reports, Debt, debt consolidation, debt management, debt-to-income, decades, deed, down payment, Down payments, equity, Family, FHA, FHA loan, FHA loans, Financial Wize, FinancialWize, first-time buyers, funds, getting a mortgage, good, government, great, history, hold, home, home equity, home equity line of credit, home equity loan, home loan, home loans, homebuyer, Homebuyers, homeowners, homes, house, How To, impact, Income, Insurance, interest, interest rates, late payments, lenders, line of credit, loan, Loans, low, Main, Make, making, More, Mortgage, mortgage documents, mortgage loan, mortgage payments, Mortgage Rates, Mortgages, needs, offer, offers, opportunity, payments, plan, poor, pretty, private mortgage insurance, property, protect, Purchase, Rates, Refinance, right, Sell, settlement, shopping, Spending, time, traditional, trust, under, Underwriting, will, work, working

How many times can you use a VA loan?

January 30, 2023 by Brett Tams

How many times can you use your VA loan benefit? You can use your VA home loan benefit as many times as you want. But, with some rare exceptions, you […]

The post Blog first appeared on MilitaryVALoan.com.

Posted in: Auto Insurance, Renting Tagged: 2, 2022, 2023, 30-year, 30-year mortgage, All, assets, author, balance, basic, before, Benefits, Blog, bonus, Borrow, bridge, Built, Buy, buy a home, Buying, Buying a Home, closing, conventional loan, Credit, credit score, data, Debt, debt-to-income, decades, discover, down payment, equity, existing, FHA, Financial Wize, FinancialWize, good, great, home, home buying, home loan, Home Price, homeowners, homes, How To, Income, Inflation, inheritance, Insurance, interest, interest rates, investment, investment property, lenders, Life, Live, loan, Loan Limits, Loans, low, low mortgage rates, LOWER, Main, Make, market, military, money, More, Mortgage, MORTGAGE RATE, Mortgage Rates, Mortgages, Moving, new, new home, offer, offers, opportunity, Original, Other, payments, private mortgage insurance, property, Purchase, Quotes, rate, Rates, Refinance, refinancing, save, savings, second, second home, selling, Selling Your Home, shopping, the balance, time, under, USDA, VA, VA loan, VA loans, va mortgage, VA Streamline Refinance, value, veterans, veterans affairs, will, working

Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth?

January 30, 2023 by Brett Tams

Whether you choose real estate or index funds as your primary investment, each has an outstanding track record of building wealth. But is one better than the other, if maybe only by a little bit? This topic was inspired by this question from a reader: “My question: Real estate or long-term index fund investing? I […]

The post Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth? appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 2, 2021, 2022, 429, AAMS, Accredited Asset Management Specialist, ad, advice, advisor, Alabama, All, Amount Of Money, apartment, Appreciate, Arizona, Arkansas, assets, author, Bank, basic, bear market, before, beginner, big, Blog, blue, bonds, book, brokerage, build, building, building wealth, business, Buy, buy a home, Buying, california, Capital Gains, capital gains tax, cents, chance, Clean, clear, color, Colorado, Commercial, commission, company, Compliance, Connecticut, cost, couple, crash, Crowdfunding, crypto, custom, data, decades, disclosure, diversification, diversify, dividend, Dividend Yield, dividends, down payment, employer, energy, entry, equity, estate, ETFs, eviction, expense, experience, Featured, Fees, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, financing, Florida, freedom, front, fund, funds, Georgia, good, Google, green, growth, growth stocks, guest, guest post, guide, hawaii, healthcare, history, hold, home, home inspection, idaho, Illinois, impact, Income, index, index fund, index funds, indiana, industry, Inflation, inspection, Insurance, interest, interest rates, Invest, Investing, investment, investment property, investments, investors, IRA, irs, lawsuit, Learn, learned, Legal, lessons, leverage, liquidity, list, lists, loan, Loans, louisiana, LOWER, Main, maine, Make, Make Money, making, market, markets, Maryland, Massachusetts, Michigan, mississippi, missouri, mistake, money, montana, More, Mortgage, Mortgages, multiple offers, nebraska, Nevada, new, new apartment, New Jersey, new york, News, north carolina, offer, offers, opportunity, Oregon, Original, Other, ownership, passive, Personal, personal finance, plan, planner, Planning, podcast, points, Popular, portfolio, pressure, property, property values, Purchase, Rates, Real Estate, Real Estate Investing, real estate investment, real estate investor, renovations, Rent, rental, rental market, rental property, Rentals, renters, Research, Residential, retirement, Retirement Planning, retirement plans, return, return on investment, returns, rich, right, risk, robinhood, Schwab, science, SEC, second, Sell, selling, shares, simple, single, South Carolina, south dakota, stock, stock market, stockbrokers, stocks, Style, tax, tax liability, tax rates, taxes, Technology, tenant, Tennessee, texas, The Stock Market, time, title, trading, trend, unique, Utah, value, Vanguard, Video, virginia, washington, Washington DC, wealth, wealth management, will, Wisconsin, work, wrong, youtube

Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth?

January 30, 2023 by Brett Tams

Whether you choose real estate or index funds as your primary investment, each has an outstanding track record of building wealth. But is one better than the other, if maybe only by a little bit? This topic was inspired by this question from a reader: “My question: Real estate or long-term index fund investing? I […]

The post Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth? appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 2, 2021, 2022, 429, AAMS, Accredited Asset Management Specialist, ad, advice, advisor, Alabama, All, Amount Of Money, apartment, Appreciate, Arizona, Arkansas, assets, author, Bank, basic, bear market, before, beginner, big, Blog, blue, bonds, book, brokerage, build, building, building wealth, business, Buy, buy a home, Buying, california, Capital Gains, capital gains tax, cents, chance, Clean, clear, color, Colorado, Commercial, commission, company, Compliance, Connecticut, cost, couple, crash, Crowdfunding, crypto, custom, data, decades, disclosure, diversification, diversify, dividend, Dividend Yield, dividends, down payment, employer, energy, entry, equity, estate, ETFs, eviction, expense, experience, Featured, Fees, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, financing, Florida, freedom, front, fund, funds, Georgia, good, Google, green, growth, growth stocks, guest, guest post, guide, hawaii, healthcare, history, hold, home, home inspection, idaho, Illinois, impact, Income, index, index fund, index funds, indiana, industry, Inflation, inspection, Insurance, interest, interest rates, Invest, Investing, investment, investment property, investments, investors, IRA, irs, lawsuit, Learn, learned, Legal, lessons, leverage, liquidity, list, lists, loan, Loans, louisiana, LOWER, Main, maine, Make, Make Money, making, market, markets, Maryland, Massachusetts, Michigan, mississippi, missouri, mistake, money, montana, More, Mortgage, Mortgages, multiple offers, nebraska, Nevada, new, new apartment, New Jersey, new york, News, north carolina, offer, offers, opportunity, Oregon, Original, Other, ownership, passive, Personal, personal finance, plan, planner, Planning, podcast, points, Popular, portfolio, pressure, property, property values, Purchase, Rates, Real Estate, Real Estate Investing, real estate investment, real estate investor, renovations, Rent, rental, rental market, rental property, Rentals, renters, Research, Residential, retirement, Retirement Planning, retirement plans, return, return on investment, returns, rich, right, risk, robinhood, Schwab, science, SEC, second, Sell, selling, shares, simple, single, South Carolina, south dakota, stock, stock market, stockbrokers, stocks, Style, tax, tax liability, tax rates, taxes, Technology, tenant, Tennessee, texas, The Stock Market, time, title, trading, trend, unique, Utah, value, Vanguard, Video, virginia, washington, Washington DC, wealth, wealth management, will, Wisconsin, work, wrong, youtube

10 Reasons Today’s Older Workers Are Delaying Retirement

January 30, 2023 by Brett Tams

About 40% of workers say they are delaying retirement. Find out why.

Posted in: Mortgage News Tagged: 2, 2021, 2022, 401(k) plan, All, Bank, beach, before, big, business, company, couple, crash, Crisis, data, decades, discover, dream, equity, expenses, expensive, fidelity, finances, Financial Wize, FinancialWize, fire, front, gas, goals, great, groceries, Grow, health, Health care, health savings account, hold, homes, How To, Income, index, Inflation, investments, job, jobs, learned, Life, Live, man, market, Medical, medical expenses, Medicare, men, money, More, Move, needs, new, News, Original, plan, pretty, Recession, retirees, retirement, retirement account, retirement savings, right, rising prices, running, sailing, Saving, savings, Savings Account, security, Spending, spouse, stock, stock market, The Stock Market, time, will, woman, work, workers, working

Vin Scully’s Hidden Hills mansion lists for $15 million

January 30, 2023 by Brett Tams

The longtime home of late Dodgers broadcaster Vin Scully is up for grabs in Hidden Hills, priced at $15 million.

Posted in: Spending Money Wisely Tagged: 2, 2016, 2022, ad, agents, All, Amenities, apartment, appliances, Backyard, bar, baseball, Bathrooms, bedroom, Bedrooms, before, ben, broadcaster, Built, business, california, Career, Chateau, Compass, Compound, custom, data, decades, dining, dining room, entry, estate, Family, farmhouse, Financial Wize, FinancialWize, fireplace, fireplaces, front, furniture, gallery, Google, green, guest, history, home, house, kitchen, library, Life, Lifestyle, lists, living room, Main, marble, market, memories, miles, modern, modern farmhouse, movie theater, NBA, office, outdoors, photos, pool, property, quality, room, search, shopping, southern california, spa, space, Sports, story, Style, suite, swimming, time, title, white, windows, wood

Money and Confidence are Interchangeable

January 30, 2023 by Brett Tams

So, I’m assuming you are here reading this because you want to get yourself some more money. And since this is Mr. Money Mustache and not a standard financial publication, you’re willing to think about the bigger picture: Not necessarily “Maximum money at all costs so I can have a nice, spendy retirement!” More like “A […]

Posted in: Money Tips Tagged: All, Amount Of Money, balance, before, bills, bonus, build, building, bullshit, business, Buying, Career, chance, Commercial, cost, Cost of Living, decades, decision, dream, driving, energy, expensive, experience, Family, Financial Wize, FinancialWize, fitness, freedom, friendly, fun, fund, Giving, goal, good, great, Happiness, health, house, ideas, Income, Inflation, Insurance, investments, job, jobs, journey, kids, Learn, Life, Lifestyle, Live, Luxury, Make, making, math, money, More, more money, Move, natural, needs, new, Other, parents, Personal, plan, points, policies, Popular, present, pretty, protect, protection, Rates, Relationships, retirement, rewards, right, risk, running, safe, safety, Salary, save, savings, School, schools, selling, sinks, skill, Software, space, spouse, stage, story, The MMM Blog, time, tools, townhouse, Travel, Unemployment, vacation, wall, wants, war, washington, Washington DC, will, work, working, wrong, young

Decades of Zero Return

January 30, 2023 by Brett Tams

I came across this chart two weeks ago and I stopped in my tracks.

Posted in: Money Basics Tagged: 1970s, 2, 2021, 30-year, advisor, All, before, Blog, blue, build, Buy, cost, covid, Crisis, data, decades, dividends, fed, Financial Advisor, financial crisis, Financial Plan, Financial Wize, FinancialWize, great, green, growth, guide, history, Inflation, interest, Invest, Investing, Investing & Retirement, investment, investments, investors, Learn, Legislation, Main, market, markets, mistake, money, More, Original, Other, patterns, plan, podcast, principal, Rates, real returns, Recession, return, returns, right, second, shares, stock, stock market, stocks, story, the fed, The Stock Market, time, trust, under, value, volatility, war, zero return
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