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Today, in the CalculatedRisk Real Estate Newsletter: 30-Year Mortgage Rates Hit 8.0% Excerpt: Mortgage News Daily reports 30-year fixed rate mortgages rose to 8.0% today (for top tier scenarios). This will mostly impact closed sales in November and December, and strongly suggests we will see new cycle lows for existing home sales over the winter. Note: The National Association of Realtors (NAR) is scheduled to release September existing home sales tomorrow, Thursday, October 19th, at 10:00 AM ET
click for ginormous chart While I am wrapped up working on a few projects today, I wanted to share this map/chart/table showing US real estate prices relative to income. A lot of factors drive home prices — available supply, mortgage rates, inflation, salary/income growth, demand, etc. Its not as simple as many make it out to be. It has also become obvious that the big shortage of single-family homes housing prices has kept prices elevated (although there are some signs that some aspiratio
Markets Narratives drive stocks and the GLP-1 narrative is strong these days. (herbgreenberg.substack.com) Just how expensive are the 'Magnificent Seven' stocks? (blog.validea.com) Why international equities may belong in your taxable account. (corporate.vanguard.com) There is no single model for the term premium. (wsj.com) Finance What makes for a good annual shareholder letter?
Where are top advisors focusing in 2025? AcquireUp’s 2025 Industry Index reveals it all. Based on insights from 200+ financial professionals nationwide, discover why 74% say seminars and referrals deliver the best ROI, how automation is helping advisors scale faster, and why only 8% are tapping into niche marketing (a major growth opportunity!). Whether you're refining your client acquisition strategy or scaling your practice, this report gives you the real-world data, benchmarks, and action ste
Today, in the CalculatedRisk Real Estate Newsletter: September Housing Starts: Near Record Number of Multi-Family Housing Units Under Construction Excerpt: The third graph shows the month-to-month comparison for total starts between 2022 (blue) and 2023 (red). Total starts were down 7.2% in September compared to September 2022. And starts year-to-date are down 12.1% compared to last year.
Podcasts Peter Lazaroff on what constitutes 'evidence-based investing.' (peterlazaroff.com) Bogumil Baranowski talks with Brian Feroldi, author of "Why the Stock Market Goes Up." (talkingbillions.co) Frazer Rice talks with Jared Dillian about his forthcoming book "No Worries: How to Live a Stress-Free Life." (open.spotify.com) Peter Dunn on understanding your relationship with money.
A key value proposition for financial advisors is helping clients avoid common behavioral biases that can lead to suboptimal investment decisions. Even people who are normally rational decision-makers can be prone to fear, greed, and overconfidence, and the persistence of market bubbles where investors chase whatever company or sector is all the rage at the time (and often get stuck with losses when the bubble pops) shows that herd mentality in investing is as prevalent as ever.
Nearly 70 new ETFs made their market debuts in September. That included 21 bond ETFs, one commodities ETF, 41 equities-based ETFs and six target date/multi-asset ETFs.
Speaker: Claire Grosjean, Global Finance & Operations Executive
Finance teams are drowning in data—but is it actually helping them spend smarter? Without the right approach, excess spending, inefficiencies, and missed opportunities continue to drain profitability. While analytics offers powerful insights, financial intelligence requires more than just numbers—it takes the right blend of automation, strategy, and human expertise.
From the Census Bureau: Permits, Starts and Completions Housing Starts: Privately‐owned housing starts in September were at a seasonally adjusted annual rate of 1,358,000. This is 7.0 percent above the revised August estimate of 1,269,000, but is 7.2 percent below the September 2022 rate of 1,463,000. Single‐family housing starts in September were at a rate of 963,000; this is 3.2 percent above the revised August figure of 933,000.
Note: This index is a leading indicator primarily for new Commercial Real Estate (CRE) investment. From the AIA: AIA/Deltek Architecture Billings Index Reports New Decline in Business Condition Business conditions at architecture firms declined again in September, the AIA/Deltek Architecture Billings Index (ABI) reports. The score of 44.8 for September is the lowest score reported since December 2020 during the height of the pandemic.
Your financial statements hold powerful insights—but are you truly paying attention? Many finance professionals focus on the income statement while overlooking key signals hidden in the balance sheet and cash flow statement. Understanding these numbers can unlock smarter decision-making, uncover risks, and drive long-term success. Join David Worrell, accomplished CFO, finance expert, and author, for an engaging, nontraditional take on reading financial statements.
From the MBA: Mortgage Applications Decrease in Latest MBA Weekly Survey Mortgage applications decreased 6.9 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending October 13, 2023. The Market Composite Index, a measure of mortgage loan application volume, decreased 6.9 percent on a seasonally adjusted basis from one week earlier.
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Thursday: • At 8:30 AM ET, The initial weekly unemployment claims report will be released. The consensus is for 210 thousand initial claims, up from 209 thousand last week. • Aslo at 8:30 AM, the Philly Fed manufacturing survey for October. The consensus is for a reading of -6.8, up from -13.5. • At 10:00 AM, Existing Home Sales for September from the National Association of Realtors (NAR).
Automation is transforming finance but without strong financial oversight it can introduce more risk than reward. From missed discrepancies to strained vendor relationships, accounts payable automation needs a human touch to deliver lasting value. This session is your playbook to get automation right. We’ll explore how to balance speed with control, boost decision-making through human-machine collaboration, and unlock ROI with fewer errors, stronger fraud prevention, and smoother operations.
Fed's Beige Book "This report was prepared at the Federal Reserve Bank of St. Louis based on information collected on or before October 6, 2023. " Most Districts indicated little to no change in economic activity since the September report. Consumer spending was mixed, especially among general retailers and auto dealers, due to differences in prices and product offerings.
A year after announcing it would leave Raymond James and restructure from an OSJ to a hybrid, multi-custodial RIA, Concurrent says it recruited more than $1 billion in assets and added Schwab as a custodian.
Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.
By Justin Carbonneau ( Twitter | LinkedIn | YouTube ) — Looking at Amazon, Apple, Google (Alphabet), Meta, Microsoft, Nvidia and Tesla through the lens of the guru models on Validea. What do you see when you look inside your portfolio so far this year? Do you have a broad, diverse set of winning positions or are most of your gains in just a few stocks.
There is no such thing as a no-brainer when it comes to predicting the future. I was reminded of this painful lesson over the weekend when the kicker of the 49ers missed a 40-yard field goal and busted several of my bets. The 49ers are arguably the best team in the league. While their opponent the Cleveland Browns have an incredible defense, they were without their starting quarterback.
Like being inches from the end zone, many advisors are frustratingly close to their next level of success. You work hard. You put in the hours. But if your closing rate is stuck or your pipeline feels like a revolving door… something has to change. Most advisors are just one small shift away from dramatically increasing their revenue. The difference?
New residential building permits experienced their largest monthly decline since November 2022 according to the U.S. Census Bureau and the Department of Housing and Urban Development. In September, building permits reached a seasonally adjusted annual rate of 1.473 million, surpassing the forecasted 1.445 million. This marks a 4.4% decrease from August and a 7.2% decline compared to one year ago.
Today’s Animal Spirits is brought to you by iShares and Kaplan See here for more information on investing in the iShares Semiconductor ETF See here for more information on Kaplans Chartered Retirement Plan Specialist designation program On today’s show, we discuss: The Fed is pleased with recent inflation data What was the cost of the COVID stimulus?
A survivor of the Wall Street brokerage culture of the 1990s, the Ellevest co-founder said success in financial services today is found in diversity and collaboration.
Is your finance team bogged down by endless data requests and disorganized spreadsheets during the month-end close? It’s time to consider a better option – automate with ART! SkyStem’s solution works alongside your ERP to transform the close and account reconciliation process and speed up month-end work. Explore SkyStem’s ART - the award-winning account reconciliation automation platform - and receive a $100 Amazon gift card as a thank you for your time.
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