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 on: July 29, 2015, 08:05:53 AM 
Started by Crafty_Dog - Last post by Crafty_Dog
Due to the bursting of the bubble, it makes perfect sense that lots of people no longer believe owning a home is a good investment. 

 on: July 29, 2015, 07:52:39 AM 
Started by Crafty_Dog - Last post by G M

Strange. How could that happen?

 on: July 29, 2015, 07:44:44 AM 
Started by Crafty_Dog - Last post by Crafty_Dog

 on: July 29, 2015, 07:44:26 AM 
Started by Crafty_Dog - Last post by Crafty_Dog

 on: July 29, 2015, 07:42:38 AM 
Started by Crafty_Dog - Last post by objectivist1
Oh yeah - PLOWHORSE!!!  LOL.

Homeownership rate drops to 63.4%, lowest since 1967

Diana Olick   | @DianaOlick  - CNBC News   

The U.S. homeownership rate fell to 63.4 percent in the second quarter of 2015, according to the U.S. Census. That is down from 63.7 percent in the first quarter and from 64.7 percent in the same quarter of 2014. It marks the lowest homeownership rate since 1967.

Homeownership peaked at 69.2 percent at the end of 2004, when the housing market was in the midst of an epic boom. The 50-year average is 65.3 percent.

"It is now just five-tenths from the record low seen in 1965 in data going back also to 1965," noted Peter Boockvar, an analyst with The Lindsey Group. "All the governmental attempts (certainly aided and abetted by many players in the private sector) at boosting homeownership has gotten us to this point in time with all the havoc it wreaked over the past 10 years. It's just another governmental lesson never learned, of don't mess with the free market and human nature."

Household formation, however, is rising. The number of occupied housing units grew, but all on the renter side. The number of owner-occupied units fell from a year ago. No wonder both rents and occupancies continue to soar.

"Our results for the second quarter and year to date exceeded our original outlook," noted Tim Naughton, chairman and CEO of AvalonBay, one of the nation's largest apartment REITs, in the company's second-quarter earnings release out Monday. "For the balance of the year, we expect accelerating apartment demand to support stronger performance across our business."

Multifamily apartment starts soared 55 percent in June from June of 2014, according to the U.S. Census. This, as single-family housing starts rose 15 percent. Apartment supply is still far lower than demand. Annual rent growth hit 5 percent in the second quarter of this year, according to Axiometrics, a real estate analytics company. Apartment occupancy hit 95.2 percent, a near record high.

Home sales have been increasing modestly this year, but first-time buyers are still playing a historically small part in the market. Still-rising home prices and tight lending standards are keeping these buyers on the sidelines. Home prices in some markets are hitting new highs and prices are gaining the most on the low end of the market, where first-time buyers mostly start.

 on: July 29, 2015, 02:25:09 AM 
Started by Crafty_Dog - Last post by Crafty_Dog
Anatomy Of Hillary's Latest Email Lie
Published on on July 28, 2015
Hillary Clinton's latest lie is her claim that the only reason for the flap over whether she emailed classified documents was her "desire to have transparency and make everything public." Except for her insistence on disclosure, "we would not be having this conversation."

Seriously? It's hard to even use the words Hillary and transparency in the same sentence - because she's anything but transparent; she's secretive and paranoid. And she thinks she can outsmart us. That's what started this problem in the first place.

Why did she lie? As always, Hillary's lie has two motivations:
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a. to kindle a debate that distracts from the basic question of whether or not she sent classified information on her private server; and

b. to try to show how she is the victim of her own good intentions and integrity.

Start with the first point. Hillary Clinton sent at least four emails that contained classified material over her private server in violation of federal law. This is the charge made by the two inspectors general for the State Department in their referral to the Justice Department and the FBI. But Hillary defiantly claims that she never sent any email containing classified information.

To her, it's just some bureaucratic squabble. "What I'm hearing from the discussion that's going on is that something that wasn't classified should have been or maybe now should be," she said. "That's a very different issue." The inspectors general disagreed and noted that the material in question "was classified then [when Hillary emailed it] and is classified now."

So it boils down to a question of trust. Two presidentially appointed professional civil service inspectors general vs. Hillary. So which one should be trusted? That one's not too hard to call.

And on the second point, to distract and redirect the debate, Hillary claims that she was transparent to a fault and that this caused the current scandal.

Incredibly, she says:

"If I just turned it [the emails] over, we would not be having this conversation. But when I said, 'Hey, I want it to be public,' it has to go through the FOIA [Freedom of Information Act] process. That's what's going on here. And I am going to continue to say that I want it to be made public as soon as it possibly can. And we will do whatever we can to try to get the process to move along."

What a whopper!

Hillary didn't just wake up one day and decide to turn over her emails. She spent five years hiding them on her secret Chappaqua server - for the sole purpose of thwarting the Freedom of Information Act.

And she succeeded.

Indeed, throughout her tenure as secretary of state, dozens of FOIA requests for emails from Hillary and her top aides were consistently turned down because the State Department found no relevant emails. Of course they didn't - they were safely concealed in her home, where no one could access them. Now, after the discovery that her emails were never searched in response to FOIA requests, most of those cases have been re-opened, and numerous federal judges have ordered the State Department to respond to the requests. That's why her emails are going through the FOIA process now. It is despite Hillary that the documents are being made public, not because of her.

For Hillary to claim now that she is the one who insisted that her emails had to "go through the Freedom of Information process" is a flat out lie. She would have kept them secret forever, but the State Department requested their return. She had no choice. So, in one last arrogant step, she decided herself what to turn over and deleted the rest.

Hillary had no role in subjecting her emails to the FOIA process. They were public records that were automatically subject to review for FOIA requests. Once she stopped hiding them, the automatically went through the process. That is a far cry from her statement, "When I said, 'Hey, I want it [her emails] to be public,' it has to go through the FOIA [Freedom of Information Act] process. That's what's going on here."

And this scandal is a gift that will keep on giving. Each month, the courts have ordered the State Department to turn over another batch of Hillary's e mails. And each month, the inspectors general, the Justice Department and the FBI will have to report any that concern classified material.

Can we trust them to do their jobs and determine if Hillary broke the law and prosecute her if she did?

Certainly, we can trust the inspectors general. By their actions in referring four emails to Justice and the FBI, they have shown their integrity and independence.

How about Justice and the FBI? Under former Attorney General Eric Holder, the answer is obvious: The Justice Department would join in the cover-up and instruct the FBI to do likewise.

But how about under the new Attorney General Loretta Lynch? As the new kid on the block, she may be anxious to enhance her reputation for integrity and actually do her job.

But what will President Obama do? If he lets the process unfold, he will likely severely hurt Hillary, perhaps knocking her out of the presidential race. But if he intervenes, he risks disclosure and even possible grounds for impeachment.

Remember that the Obamas don't always like the Clintons. Despite her huge lead in the polls, Obama has refused to endorse Hillary. In fact, an argument can be made that the entire email scandal stems from leaks from an unfriendly White House.

Is Obama determined to get a Democratic nominee who will be committed to pursuing his agenda and will not be tempted to move to the center as the Clintons have often done?

Now Obama can achieve this objective by doing nothing and just letting the process run its course.

And that may be just what he will do.

 on: July 28, 2015, 11:21:42 PM 
Started by DougMacG - Last post by G M

 on: July 28, 2015, 09:32:16 PM 
Started by G M - Last post by G M
Who would have guessed the one business the left enthusiastically supports is Planned Parenthood's baby body parts trafficking?

 on: July 28, 2015, 07:51:03 PM 
Started by Crafty_Dog - Last post by objectivist1
Contrary to what people like Wesbury would have you believe:

U.S. Recession Imminent - World Trade Slumps By Most Since Financial Crisis

Friday, 24 July 2015 03:48 - see link for graphic.

As goes the world, so goes America (according to 30 years of historical data), and so when world trade volumes drop over 2% (the biggest drop since 2009) in the last six months to the weakest since June 2014, the "US recession imminent" canary in the coalmine is drawing her last breath...


As Wolf Street's Wolf Richter adds, this isnít stagnation or sluggish growth. This is the steepest and longest decline in world trade since the Financial Crisis. Unless a miracle happened in June, and miracles are becoming exceedingly scarce in this sector, world trade will have experienced its first back-to-back quarterly contraction since 2009.

Both of the measures above track import and export volumes. As volumes have been skidding, new shipping capacity has been bursting on the scene in what has become a brutal fight for market share [readÖ Container Carriers Wage Price War to Form Global Shipping Oligopoly].

Hence pricing per unit, in US dollars, has plunged 14% since May 2014, and nearly 20% since the peak in March 2011. For the months of March, April, and May, the unit price index has hit levels not seen since mid-2009.


World trade isnít down for just one month, or just one region. It wasnít bad weather or an election somewhere or whatever. The swoon has now lasted five months. In addition, the CPB decorated its report with sharp downward revisions of the prior months. And it isnít limited to just one region. The report explains:

The decline was widespread, import and export volumes decreasing in most regions and countries, both advanced and emerging. Import and export growth turned heavily negative in Japan. Among emerging economies, Central and Eastern Europe was one of the worst performers.

Given these trends, the crummy performance of our heavily internationalized revenue-challenged corporate heroes is starting to make sense: itís tough out there.

But not just in the rest of the world. At first we thought it might have been a blip, a short-term thing. ReadÖ Americansí Economic Confidence Gets Whacked

 on: July 28, 2015, 06:37:13 PM 
Started by Crafty_Dog - Last post by Crafty_Dog

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