Calculated Risk
OCTOBER 17, 2022
Active inventory increased again, hitting a new peak for the year. Here are the same week inventory changes for the last four years ( usually inventory is declining at this time of year ): 2022: +5.0K 2021: -2.4K 2020: -0.9K 2019: -10.9K Inventory bottomed seasonally at the beginning of March 2022 and is now up 135% since then. Altos reports inventory is up 33.7% year-over-year.
Wealth Management
OCTOBER 17, 2022
Some sources of financing are drying up, but overall multifamily fundamentals are strong enough to keep funds flowing to borrowers.
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The Big Picture
OCTOBER 17, 2022
US equity markets are off about 25% YTD; Tech-heavy Nasdaq is off 32%; But the poster child for the past few years has been Tesla (TSLA), which is down 38.5% YTD and is 46.9% off of its 2021 highs. From a fundamental perspective, Tesla is doing quite well: In the third quarter, Tesla sold a record 343,000 vehicles. They also have an advantage over traditional automakers: An ability to quickly reprogram the firmware of chips.
Wealth Management
OCTOBER 17, 2022
From HELOCs to reverse mortgages.
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Calculated Risk
OCTOBER 17, 2022
Today, in the Calculated Risk Real Estate Newsletter: Some "Good News" for Homebuilders Excerpt: Yesterday, in Monthly Mortgage Payments Up Record Year-over-year , I mentioned some “good news” for homebuilders: Even though we can expect significant further declines in new home sales and single-family housing starts, the good news for the homebuilders is activity usually picks up quickly following an interest rate induced slowdown (as opposed to following the housing bust when the recovery took m
Wealth Management
OCTOBER 17, 2022
The New York Times analyzes what the Kroger-Albertsons mega merger means for groceries. The industrial market is showing some initial signs of cooling, reports The Wall Street Journal. These are among today’s must reads from around the commercial real estate industry.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
Wealth Management
OCTOBER 17, 2022
As DC plans move into the next phase, providers and advisors stuck in the old paradigm will struggle to keep up.
Calculated Risk
OCTOBER 17, 2022
These indicators are mostly for travel and entertainment. It is interesting to watch these sectors recover as the pandemic subsides. -- Airlines: Transportation Security Administration -- The TSA is providing daily travel numbers. This data is as of October 15th. Click on graph for larger image. This data shows the 7-day average of daily total traveler throughput from the TSA for 2019 (Light Blue), 2020 (Black), 2021 (Blue) and 2022 (Red).
Wealth Management
OCTOBER 17, 2022
The Wall Street Journal looks at how the new housing codes brought on by more frequent hurricanes are changing Florida’s coastal areas. The volume of multifamily sales in Manhattan are increasing, reports Commercial Observer. These are among today’s must reads from around the commercial real estate industry.
Calculated Risk
OCTOBER 17, 2022
Note: This is as of September 30th. From the MBA: Share of Mortgage Loans in Forbearance Decreases to 0.69% in September The Mortgage Bankers Association’s (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance decreased by 3 basis points from 0.72% of servicers’ portfolio volume in the prior month to 0.69% as of September 30, 2022.
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.
Wealth Management
OCTOBER 17, 2022
Credit Suisse is among lenders that have been defending themselves against claims over the sale of mortgage securities that plummeted in value during the 2008 crisis. It paid $600 million last year to settle a lawsuit with MBIA Insurance Corp over mortgage securities.
Calculated Risk
OCTOBER 17, 2022
Today, in the Calculated Risk Real Estate Newsletter: Lawler: Early Read on Existing Home Sales in September; CAR Predicts Home Prices to Decline 8.8% in 2023! Excerpt: A few topics from housing economist Tom Lawler: Early Read on Existing Home Sales in September Based on publicly-available local realtor/MLS reports released across the country through today, I project that existing home sales as estimated by the National Association of Realtors ran at a seasonally adjusted annual rate of 4.82 mi
Wealth Management
OCTOBER 17, 2022
Create a practice that’s bought, not sold.
The Big Picture
OCTOBER 17, 2022
My back-to-work morning train WFH reads: • What a Stock Market Bottom Looks Like : Life would be easier if this was the case. But if everything was obvious in the stock market it wouldn’t offer such wonderful long-term returns. ( Wealth of Common Sense ). • America Is Unleashing Its Economic Arsenal : Targeted measures are becoming a bigger part of US foreign policy. ( Businessweek ) see also US Chip Sanctions ‘Kneecap’ China’s Tech Industry : The toughest export restrictions yet cut off AI hard
Speaker: David Worrell, CFO, Author & Speaker
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.
Wealth Management
OCTOBER 17, 2022
The new tool is the third in a series of joint ventures with the independent broker/dealer’s large enterprises.
Calculated Risk
OCTOBER 17, 2022
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Tuesday: • At 9:15 AM ET, The Fed will release Industrial Production and Capacity Utilization for September. The consensus is for a 0.1% increase in Industrial Production, and for Capacity Utilization to be unchanged at 80.0%. • At 10:00 AM, The October NAHB homebuilder survey.
Wealth Management
OCTOBER 17, 2022
According to the commission, Keith Springer and his firm used “deceptive marketing” via ads and his radio show to attract investors, many of whom were retirees.
Abnormal Returns
OCTOBER 17, 2022
Markets Small caps look cheap relative to large caps. (wsj.com) What a stock market bottom looks like. (awealthofcommonsense.com) How best to measure investor capitulation? (ramp.beehiiv.com) All bear markets eventually end. (granite-wealth.com) Companies Why Apple ($AAPL) is pushing into services so aggressively. (macworld.com) Is 'dating app fatigue' to blame for the big drop in Match ($MTCH) stock?
Speaker: Erroll Amacker
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.
Wealth Management
OCTOBER 17, 2022
What could be better than avoiding income taxes? Having a higher salary.
Abnormal Returns
OCTOBER 17, 2022
Podcast Barry Ritholtz talks with Thomas Rampulla, managing director of Vanguard’s Financial Advisor Services. (ritholtz.com) Brendan Frazier talks with Derek Tharp about the psychology of delivering financial advice. (wiredplanning.com) Michael Kitces talks with Libby Greiwe who is the owner of The Efficient Advisor, a financial advisor coaching and consulting business.
Wealth Management
OCTOBER 17, 2022
The Wall Street giant plans to once again combine its expanded asset management and private wealth businesses into one unit run by Marc Nachmann.
Alpha Architect
OCTOBER 17, 2022
We examine the question of whether or not democracy leads to better possible outcomes for the stock market. Is Democracy better for the stock market? was originally published at Alpha Architect. Please read the Alpha Architect disclosures at your convenience.
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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.
Wealth Management
OCTOBER 17, 2022
XPO was winning over investors as Jacobs snapped up truck brokerages and contract logistics companies and cobbled together a last-mile delivery business.
Clever Girl Finance
OCTOBER 17, 2022
Whenever I check off something from my to-do list, I feel a sense of confidence. Getting things done is a big adrenaline rush and makes me feel accomplished , but sometimes when we have bigger goals, they sit on our to-do list and don’t get finished. That’s one reason why using mini goals can help you achieve your dreams. Instead of just giving attention to the big picture, you break down what you want to accomplish into smaller goals.
Wealth Management
OCTOBER 17, 2022
Crypto Source will start in the US, Israel and Brazil early next year through a pilot program.
XY Planning Network
OCTOBER 17, 2022
7 MIN READ. Global capital markets are performing poorly, and many clients of ours are anxiously looking for expert guidance. Once again, advisors are facing an opportunity now to prove their value, build stronger relationships, and—most importantly—make sure clients are faring well despite the current economic situation.
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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?
Norman Marks
OCTOBER 17, 2022
I like this review of the guidelines published a couple of years ago by internal auditors in the Nordics. Guest blogger Marinus de Pooter highlights some good points and areas of weakness. == A steering group drawn from the Institutes of Internal Auditors for the Nordic and Baltic countries issued the ‘Good practice guidelines for […].
Integrity Financial Planning
OCTOBER 17, 2022
Optimizing your retirement savings takes more than just making sure your IRA isn’t at risk in this market. There are rules and regulations that can help you avoid higher taxes and penalty fees and help you structure your income to minimize taxes. Know these 3 ages that can help you get the most out of your retirement accounts. Take Catch-up Contributions at 50.
Getting Your Financial Ducks In A Row
OCTOBER 17, 2022
Note: it’s interesting to learn about IRA history in order to better understand why some provisions are the way they are. This IRA history is updated occasionally as new provisions are added. In 1974, Congress passed the Employee Retirement Income Security Act (ERISA) that, among many other provisions, provided for the implementation of the Individual Retirement Arrangement.
Good Financial Cents
OCTOBER 17, 2022
Traditional online brokerages were once intimidating to the rookie investor, so many flocked to Robinhood when the mobile-only brokerage announced new, revolutionary features in late 2014. Robinhood attracted these young stock market investors with an easy-to-use mobile app and commission-free trades. To sweeten the deal, Robinhood didn’t require account minimums, so even investors with limited capital could start investing.
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