Podcasts about dmar

Sean is one of those rare Colorado natives and has always had an interest in the Real Estate industry. He took the scenic route to get there but arrived with impact. After spending 6 years as a Regional VP of one of the nation's largest credit repair companies, he finally got his RE license in January 2017 and has taken off since then.Sean has been recognized as a top producer and professional a handful of times through various publications. Sean started Mile High Lifestyles in July 2018 with his business partner Jaden Hanson. They have quickly risen to the top and have already been recognized as a top team in Denver in 2019, 2020, and 2021 through Real Trends. 5280 Magazine has awarded Mile High Lifestyles as a Top Producer in 2019, 2020, and 2021, and DMAR has done the same. Sean was recognized as a “Top 40 Under 40” agent in Colorado Homeowner magazine for 2019, 2020, and 2021 and was given the Five Star Professional “Rising Star Award” in 2020, and was a Five Star Professional recipient in 2021. Sean's passion lies in his family, and serving his community.Sean is a Father to 3 boys, Landon, Logan, and Linken and they are the reason why he strives to be the best. Sean is also the chairman of a Non-Profit organization called MHL Donations, which throws large events to raise money for charitable causes. Most Notably, the Fairways for Families Golf tournament originated in 2019 and has raised over $50,000 since its inception. Sean received the “Volunteer of the Year” award at the 2021 City of Wheat Ridge Business Appreciation Awards Ceremony where he was presented the award by the Chairman of the Wheat Ridge Chamber of Commerce and the Mayor of Wheat Ridge.Sean sits on the Board of Directors at the Wheat Ridge Chamber of Commerce and is the Chairman of the Events and Communications committees. Sean works with buyers and sellers all over the metro area, the foothills, and northern Colorado markets. Sean has vast experience working with probate, estate administration cases, Buyers, Sellers, and infill development projects. His negotiation skills are top-notch, and he carries a lot of pride in delivering a world-class customer experience with each of his clients.Learn more: https://www.nealonhometeam.comColorado Real Estate Leaders https://businessinnovatorsradio.com/colorado-real-estate-leaders/Source: https://businessinnovatorsradio.com/interview-with-sean-nealon-team-lead-with-nealon-home-team-at-real-brokerage

Sean is one of those rare Colorado natives and has always had an interest in the Real Estate industry. He took the scenic route to get there but arrived with impact. After spending 6 years as a Regional VP of one of the nation's largest credit repair companies, he finally got his RE license in January 2017 and has taken off since then.Sean has been recognized as a top producer and professional a handful of times through various publications. Sean started Mile High Lifestyles in July 2018 with his business partner Jaden Hanson. They have quickly risen to the top and have already been recognized as a top team in Denver in 2019, 2020, and 2021 through Real Trends. 5280 Magazine has awarded Mile High Lifestyles as a Top Producer in 2019, 2020, and 2021, and DMAR has done the same. Sean was recognized as a “Top 40 Under 40” agent in Colorado Homeowner magazine for 2019, 2020, and 2021 and was given the Five Star Professional “Rising Star Award” in 2020, and was a Five Star Professional recipient in 2021. Sean's passion lies in his family, and serving his community.Sean is a Father to 3 boys, Landon, Logan, and Linken and they are the reason why he strives to be the best. Sean is also the chairman of a Non-Profit organization called MHL Donations, which throws large events to raise money for charitable causes. Most Notably, the Fairways for Families Golf tournament originated in 2019 and has raised over $50,000 since its inception. Sean received the “Volunteer of the Year” award at the 2021 City of Wheat Ridge Business Appreciation Awards Ceremony where he was presented the award by the Chairman of the Wheat Ridge Chamber of Commerce and the Mayor of Wheat Ridge.Sean sits on the Board of Directors at the Wheat Ridge Chamber of Commerce and is the Chairman of the Events and Communications committees. Sean works with buyers and sellers all over the metro area, the foothills, and northern Colorado markets. Sean has vast experience working with probate, estate administration cases, Buyers, Sellers, and infill development projects. His negotiation skills are top-notch, and he carries a lot of pride in delivering a world-class customer experience with each of his clients.Learn more: https://www.nealonhometeam.comColorado Real Estate Leaders https://businessinnovatorsradio.com/colorado-real-estate-leaders/Source: https://businessinnovatorsradio.com/interview-with-sean-nealon-team-lead-with-nealon-home-team-at-real-brokerage

Buffalo Bills Head coach Sean McDermott on Damar Hamlin's update / UC Health officials on Damar's progress // Manhattan Beach fire / Romeo & Juliet suing Paramount over nude scene when they were teens // Erin Ben Moche on Chat Bots

I want to talk about interest. I want to make this all about what's going on with the fear around interest rates. When are they going to come back down? That's a huge question right now, and I'm bringing it up because I'm getting asked that a lot. I was on a Market Trends committee meeting yesterday with DMAR and that also became a debate, whether it was going to be eight months or 24 months from now before we see some sort of drop in interest rates. We have experts on Housing Wire and on Fannie Mae, Freddie Mac and NAR, all confessing some predictions about interest rates. The Federal Reserve has a single mandate at this time. They are typically a two-mandate agency working on the things that people purchase, the price that people purchase things at, which is really inflation controlling the price that Americans pay for the products they buy. And then the second thing is providing a space where those people who want to work can find jobs. This is keeping unemployment low and keeping inflation low. Right now we've got a lot of wage inflation, which is driving up our overall inflation, our core inflation if you will. We've got headline and we've got core, and I'm really talking and focusing on core because headline right now is coming down because gasoline is coming down, but core is staying strong. So as I'm looking at interest rates over the next two to three quarters, I'm really watching employment, specifically unemployment, because when unemployment starts to go up, the feds measure right now, their target is 4.4. Headline inflation一commonly known as the CPI一includes more volatile food and energy price data, whereas the core inflation index excludes it. Headline inflation is better, but core is concerning. There are still core components to inflation that are holding on. The biggest one is wages. The Fed wants to calm wages, they want people lose their jobs and go get another job for less money. They want people to stay unemployed for a short period of time to stop spending. They need demand and supply to come back in check that is going to control inflation and allow it to drop back down again, which is going to help our bonds and our interest rates. It hinges on employment. I still believe that we're not in a recession yet. We're seeing manufacturing slowing down. We're seeing unemployment that went the wrong way. Unemployment has to go up all the things. That is why I think we're going to see interest rates dip at the end of next spring. Listen to the full episode for more details on this logic and insight from Nicole in this episode of The Double Comma Club, "Focus On the Payment, Our Economy Works In Cycles."

Time stamps (00:00) - opening theme (00:12) -intro (01:00) - the catch up/ Jeffery dahmer series/ Nia long(26:25) - getting to know Dmar / Pollo(20:35)- bronny's NIL deals (46:08) - Drink champs Kanye west part 3(1:12:08) - question of the week (1:19:43) - outro Welcome Back Shooters to the Shoot Da Thr33 (Three) Podcast. Come kickback with our host's Big Smoot , Aj , and Terrell, As they bring to you the best in sports, entertainment, culture, and all that other shit mix with a good time and good vibes.Today Docket:Shoot Da Three Ep. 81 featuring. Dmar/Pollo| Drink champs Kanye west part 3 | bronny's NIL deals | Jeffery dahmer series | Nia long cheated on | getting to know Dmar/Pollo | what's something our parents got right that we didn't? Dmar's links(Instagram) https://instagram.com/mindofpollo?igshid=MDE2OWE1N2QShootDaThree(3) info(Instagram) https://instagram.com/shoot_dathr33?igshid=pw5ieeh3i5tlhttps://instagram.com/ajkimbell?igshid=1k54123jdumq7https://instagram.com/bigsmoot94?igshid=ecg9aekjann9 https://instagram.com/ciglo_7?igshid=enigjsqw0ty2(Facebook) https://www.facebook.com/shootda3/(Apple Podcast & Spotify)https://podcasts.apple.com/us/podcast/shoot-da-thr33/id1497496586https://open.spotify.com/show/5vJKqQLJQi1K5CtudXQbxl?si=ZvHW5mXeQEyDNyWsq4VvqQ

I am here with Kendall Williams from Nova Home Loans in Denver Colorado and we are talking numbers today. Don't worry we won't bore you and you'll need to take a moment and hear about his opinion on the 2/1 buy down you have been hearing about. Around 15 minutes take time to listen in on VA loans and why if you are a Veteran you should be calling Kendall and getting prequalified. You can contact Kendall here: https://kendallwilliams.novahomeloans.com/ Lastly the numbers don't lie when it comes to September 2022 according to the stats put out by The Denver Metro Association of REALTORS (DMAR) when talking “closed price Median” sales in the metro area. Highest on record across the board. Percentages and loan figures used in this podcast were for example only. Each person wanting a mortgage would need to qualify and things like (but not limited to) credit score, debt to income ratio, employment, business ownership and/or cash reserves might come into play. Talk to Kendall for more details on how you can be a home owner. You can reach me at @econdevelop on Facebook or www.listinglocally.com If you want the statistics from DMAR please reach me. Chris McGrath is an Independent Real Estate Broker REALTOR 944 Sandstone Cir Erie, Co. 80516 #realestate #Colorado #mortgagelending #ohoh27 #Louisville

What is happening with interest rates? Realtors' businesses are picking up steam, even though we know rates are ticking up. The 10-yr Treasury just hit a high since 2011 (3.51%), and Sweden just raised their bank rate by 100BPS last night! As the FED gears up to meet again and controlling inflation remains top of mind, they've got a .75-1% FED rate increase on the table. We know the recession is coming, and the FED is trying to fast-track it so that consumers will finally stop spending! But if realtors are seeing a pick-up and are anticipating a solid October, WHY?  Employers calling employees back to work Employees finding another job (getting an average 10% raise) First-time home buyers seeing the opportunity Investors Some of what you'll learn in this 18 minute episode includes: "If I purchase a median home last month in August, the median DMAR 11-county area home price was $579,900. I buy a $579,900 home with 5% down, I'm putting down $28,995. If I get a 6% interest rate and I get a 3.8% appreciation because that's what Core Logic is expecting that we're going to see for the next year forward, 3.8%, not the crazy double digits that we've seen. Historically before the pandemic, the United States appreciated 3.6%. So we're returning back to normal. So if I have a 3.8% appreciation in five years, I have a gain. If that stays consistent with principal reduction every single year, knocking down my loan amount and a little bit an increase in value of 3.8% because I only put a limited number amount down and the power of leverage. I have the opportunity of that entire home value going up at the purchase price, not my down payment. That's going to give me a net worth of $161,000. I can't make that in the stock market in the next five years, unless your chooser is spot on because mine's broken. I can't make $161,000 in the next five years. And even if we see a dip and a slowdown, which again, because we have so limited supply, but even if the whole secret is don't sell, don't sell. Hold on through the dip and for the next five years. And that's where you're going to regain this opportunity. In fact, year one with a 3.8% appreciation and the principal reduction based on a 6% interest rate, I actually make a 102% on my down payment. I put down $28,995. I'm going to net out in equity gain $29,588. That's just math, right? That's not a motion. That's just math."  

American Invents Act Has Destroyed Innovation - Cops want to keep mass surveillance app secret; privacy advocates refused - Hackers Hide Malware in Stunning Images Taken by James Webb Space Telescope - TikShock: Don't get caught out by these 5 TikTok scams - Ukrainian Police Bust Crypto Fraud Call Centers Well, the birds are coming home to roost. Well, not the chickens in this case, but this is called the death warrant for American ingenuity. We'll start by talking through this great article from this week's newsletter. [Automated transcript follows.] Well, I hate to say this, but in reality, we are looking at some very, very bad times for inventors, and I've had some of these problems myself before, but last September, there were scores of patent holders who demonstrated in six cities across the US. [00:00:34] They had on these black t-shirts that said homo sapiens, inventor. Endangered species. They were protesting America's decade of stolen dreams. Great article here in the American thinker. It was in my newsletter this year, or excuse me this week, but, uh, but here here's weirdly what happened here. Back in 2011, president Obama pushed through Congress and signed into law. [00:01:04] What they called the America invents act. Now just like the inflation reduction act is going to increase inflation, right? It's all double speak. Isn't it? The American invents act turned over the patent process basically to the biggest Democrat party donors. Big business billionaires, right? Because that's who really is funding them, the Hollywood millionaires, these massive billionaires, Zuckerbergs and, and others. [00:01:35] And what happened here? Is they changed the whole patent law and the basis for it. They flipped the table here, basically. Here's the idea behind the patent law that we've had in place in the United States for well, over a century and patents that are guaranteed in the cons. It used to be that you, if you were first to invent something, if you could show that you were first to invent something, you could file a patent and gain that patent. [00:02:14] Well, what happened is because of all of the donations that went into the Democrats in 2011, from these big, big companies that were lobbying. A, and this is part of the reason I have a huge problem with all this money going to Washington DC, frankly, because it just attracts rodents like these big companies that want to use the law to control you, to gain profit for them. [00:02:39] And really in this case, squash. Potential patent holders. You see there have been piracy for years in the patent field. And this happened to me. I spent a year of my life designing some software, writing some software that emulated an older computer system and allowed you to take. Any of that software and run it on the new system. [00:03:05] And it would run exactly the same way. And a lease on the new hardware was cheaper than just a maintenance contract on the old stuff. Plus it was faster, used less electricity, had more options, et cetera. Right. It was, it was really something, frankly, and I was invited to their headquarters to show them a little bit about. [00:03:27] Did, and, and I was so excited because they wanted to start selling it, right. So they need to understand a little bit better. So I went to the headquarters and met with them, you know, of course paid my own way. Flew down there, stayed in the hotel, rented a car, you know, all the stuff that you have to do. [00:03:43] And then nothing happened afterwards. Wouldn't return phone calls. It just, all of a sudden went silent. And then about a year and a half later Tata, they had an alternative product out on the. . Yeah, and they tried to emulate what I had done, but they did a very, very poor job at it. That's patent theft, that's piracy in this particular case, uh, if you are an inventor, you've probably experienced that sort of thing before, you know, you can put employees all of the non-disclosure agreements you want to have in place, but in reality, good luck enforcing those, especially against a big company. [00:04:25] Well, piracy went on steroids because of president Obama's America and events act. They, as part of that established something, they called the patent trial and appeal board. And it's just gone downhill ever since. So a professor that has more than 40 patents, I'm gonna read a little quote of his, this includes some inventions used in the space shuttles, by the way, which by the way, my invention was used with the space shuttle. [00:04:57] Um, so Dan brown invented something called the bionic wrench. I have one of those. I bought one of those some years back, this is a one size fits all wrench that does not strip bolt corners like it does if you're trying to use vice scripts or some pair of pliers, right. Because you're just too lazy to go and get the right socket size or box wrench or whatever it is. [00:05:22] That's the right size. It very, very. And professor brown says that Sears stole his idea for this bionic wrench right down to the marketing pitch. And then Sears, according to him, went out and hired a Chinese company to make it. And all of a sudden now, what kind of invention does he have? How's he gonna battle somebody like that? [00:05:49] I know a guy who is, uh, completely unethical. You know, I've done many shows from the consumer electronic show and it's really kind of cool, cuz I would get in depth with the inventors and, and explain what they were doing on the air. It was really neat all the way around. It was just a whole lot of fun. [00:06:08] And I met a guy there who was going to the consumer electronic show to find cool new consumer electronics. He thought might be popular. And then he'd go and talk to the people who were exhibiting that wonderful new electronics and say, Hey, I'm interested in, in selling your stuff. I have, you know, retail space and, uh, you know, kiosks in the mall. [00:06:33] What can, uh, what kind of deal can we work out here? Well, you know, first I, can I, let me get a, I, I need a copy of, uh, of your device here. I want a copy of it so I can mess with it and see, see if we really wanna follow through on. Oh, and I, I don't want to carry it around the floor of the consumer electronic show. [00:06:51] So I need you to ship it to me. So they'd ship 'em off. They might be a little speaker. They might be a charger. They might be who knows what? And consumer electronics is pretty broad. And if he liked it, he wouldn't buy it from them. He sent them over to his contacts in China. And had them reverse engineered and make the same thing with his brand label on it. [00:07:16] And he'd sell it in the stores. Now, when it comes to software and a lot of consumer electronics patents, aren't really a big deal because things. Changed so quickly. Right? And if you're a small guy, it's very hard to file a patent. And that's how president Obama sold this American Bens act to us. I remember this very, very clearly where he said, Hey, listen, this is gonna make the patent process way more streamlined, way easier for the small guys to be able to get patents, uh, not only applied for, but actually get them out to market. [00:07:52] And it's just gonna be an absolutely wonderful. It, it isn't because what happens now? Is big companies are not investing in research and development. That is true across the board. Now you might say, Hey Craig, well, how about big companies? How about Tesla? That's R and D. How about SpaceX? That's R and D. [00:08:14] Yes, but they are R and D companies. They're not big companies out there like Facebook, does Facebook try and come up with this or that new invention? Well, yeah, they kind of do from time to time, but most of the time what's been happening is corporate America looks for a winner. And then tries to buy the winner. [00:08:35] Microsoft has been doing that forever. Microsoft in court has lost cases because of what they did to inventors. And now it's been codified in law for over 10 years. So our American ingenuity, which is what we rely on in order to grow our economy, the ingenuity, the, the brain skills, the science, the true science that we have gives us a major competitive advantage because that particular, uh, type of intellectual property has a much higher profit margin than something like manufacturing a widget. [00:09:14] When you get right down to it, that's where the real money is. so a very interesting article and I would suggest you take a little bit of time to read it. If you've ever thought about patenting something, if you had a great idea, it used to be, you know, this is kind of the, the, uh, old wives tale. If you will, if you've got a great idea, you think you might wanna patent it, write it all out, take all of your notes, do it in a, a, a workbook that you can. [00:09:43] Alter right. You can't tear out pages or things. Uh, mail it to yourself in a Manila envelope and make sure you put stamps on it. And then the post office is going to date, stamp it for you or send it to your attorney even better. Right. And your attorney's gonna go ahead and keep that on file. And then when it's time to file the patents, you can say, Hey, look, it here's the proof. [00:10:06] I invented this in April of 2019. It doesn't matter because if some other company sees what you're doing or comes up with a similar or the same idea, and that company has the money to have the lawyers that know patent law inside out and backwards and can go ahead and file that patent claim. You've lost it. [00:10:31] you know, as early as the constitutional convention of 18 or 1787, our founding fathers recognize the need to promote innovation and we have to be promoting it. We've gotta get rid of this Obama era law. Absolutely. We've gotta go from first to file, which is what it has been for a decade. The first person to file you. [00:10:54] And move back to the way it was intended, the way it worked for well over a hundred years where it is a first to invent, it's very, very important for all of us, for economy, et cetera. The, the third law of Congress was a patent act of 1790. It it's just man, have we come a long way, stick around. We'll be right back online. [00:11:19] Craig peterson.com. [00:11:22] You know, we've had firewalls in our cars for a very long time for a very good reason. Right? You wanna keep the engine stuff out of the passenger compartment? The same thing is true. When we're talking about our networks, we're using firewalls to keep things out. [00:11:39] Firewalls are there to keep things out. And we have firewalls in our homes. [00:11:44] If you've got an internet service provider, you've probably got a firewall right there. Something that you don't even think about, right. It's just, there's gonna protect. You, it might, it's providing some services. You might be familiar with them. It's obviously doing a network address translation for you in this day and age. [00:12:06] Pretty much everything is especially with the internet transition that's been going on for years now from, um, IP four to IP six, but, uh, the firewall. is critical for every person and every business out there. But when we get into the configurations of firewalls, frankly, they are really a touchy subject. [00:12:29] You know, every network security professional has their own preferred hardware and software, uh, use Cisco. As a rule, Cisco has some great stuff. What I like the best about the Cisco equipment that we use in software and install at our clients is it is one pane of glass. It's a single vendor that covers everything from endpoint security. [00:12:54] In other words, security on your desktop, through the network itself, the switches, the firewalls, the email filters Absolut. Everything is there and is taken care of by all of the Cisco gear. It it's really quite something to look. I saw, in fact, a survey just last week at businesses who are trying to consolidate, there's just too many vendors in there selling this piece of endpoint, that piece of endpoint. [00:13:25] And, you know, that's part of the problem that I see happen pretty frequently, which is people look at Gartner report. Gartner, of course, a research company. They've got a lot of great research out there that I've used before. I've had Gartner on the radio show before, as well as some of their competitors talking about trends. [00:13:44] Well, There is something known as the upper right quadrant in those Gartner reports where they are rating various vendors for various pieces of software. So there might be for instance, a report on firewalls and the upper right hand cor quadrant is kind of what you want, cuz it's new, it's innovative. It, it innovative. [00:14:06] It's uh, really cool and wonderful. And it's the best. Since life spread. So they go out and they buy that cuz it's upper, right. Gartner quadrant. And then man, they find out, uh, okay, so now we need desk desktop, desktop. Okay. So they find the or buy actually the Gartner report for five to 10 grand. That's like a page long is crazy how expensive these things are. [00:14:32] They then look at that and say, okay, so the best desktop is vendor Y so let me see, we got X for the firewall. We've got Y for the endpoint and then, oh, they need switches. So let's go to the Gartner report. Who's in the upper right quadrant here for switches. Oh, it's uh, vendor Z. Okay. So we got Z. So now all of a sudden. [00:14:51] You end up with all of these different pieces of hardware, different pieces of software that have limited offerability at best interoperability at best. Right? So the, this day and age, when we're talking about cybersecurity, There are so many legitimate attacks every day. I mean, thousands of attacks going on even against a single business. [00:15:18] And there are hundreds potentially of false alarms every day. So how do you deal with that? That that's a good question. So, uh, a lot of businesses turn to companies like mine now, you know, full disclosure, I've been doing internet security work for businesses since, uh, early 1990s. So whew, 30 years now. [00:15:40] And I've been doing internet work for even longer than that, helping to develop it. So they'll go and they'll say, Hey, we need a managed security services provider. Uh, there's a big problem with that. And I, I was watching, uh, Yellowstone that TV show and I, it was a great little example of what we're seeing in the world today. [00:16:05] And Frank, frankly, we've seen forever obviously. And that is if there's a demand for something, all of a sudden, a lot of people will be hanging up shingles. and if they know, if that vendor knows more than you do, or is able to kind of turn, twist your ear and convince you to buy from them, you'll buy from them. [00:16:26] We saw that man around the year, 2000, all of the people who were trying to sell web services that had no idea what they're doing now, we're seeing all kinds of people trying to sell network services, security services that have little idea of what they're doing. We support. These companies that call themselves manage security services providers, where we actually go in, we design the system, we build the system and we implement the system. [00:16:53] We run the system and the third party here builds the client. Right. Cuz it's their client. And you know, that's all fine. It's so well and good, but what should you be looking. Particularly if you are a business, if you want to have a managed firewall, which is, I think important again, it's kind of a long tail thing to have a firewall vendor and, uh, this vendor and a managed vendor, and now it can get to be a headache pretty quickly. [00:17:23] But if you're going to focus on one thing, It's probably the firewall and your end points. Right? So maybe it's two things. So here's what a managed firewall service provider should be able to offer you. First of all, firewall system health and alerting. Software life cycle management, which means your updates, your patches, service, and incident management. [00:17:48] Whenever there's an alarm, they should know about it and they should be handling it. Security policy implementation your reporting, your analysis, your remediation, some of that is required by these various regulations and laws that are out there. You. To do it, uh, you know, without getting in a lot of detail right now, um, network monitoring, uh, the traffic monitoring, you know, the idea here behind any kind of managed service is to bring in a true expert rather than just completely outsourcing. [00:18:24] So you're partnering with someone. One of the things I've, I've bated my head against the wall for, for decades now, is that the it department. Thinks that they're up to snuff to be able to do something, or maybe they just want to do it because it's gonna be wonderful for them on the resume for the next job. [00:18:45] Right. Uh, man, I've seen that a lot of times when, when you are looking at all of this stuff and you've got an it department, maybe you're better off bringing in a very narrow expert to support your it department rather than fight against your it depart. good questions here. Uh, bottom line, they should have better expertise than what you have. [00:19:11] And you've got to read between the lines between your it staff that are currently doing it and the other vendors reducing the burden on your staff. So that maybe what they can do is. Focus more on things that are, uh, revenue generating that are more important to your business. You'll get faster incident response with any luck here. [00:19:33] With service level agreement, proactive security from the managed security services providers, or just regular service providers. Your burden on updates is going to be lower, improved manufacturer support. Because a lot of times, like we do my company mainstream, we have direct connections to the manufacturer. [00:19:56] Our case is usually Cisco because of the volume or services that we have and the equipment that we buy from them, uh, easier to scale there. There's a whole bunch of things, right. Uh, But be careful. One of the things you gotta watch out for too is where are their service people, their support people physically located, and are they us citizens? [00:20:20] A lot of the regulations. In fact, pretty much everyone. I can't think of an exception require us persons to be the ones in control of your network and data. So lots to consider. But keep that all in mind. I think it's an important thing to understand. Stick around. We'll be right back. And in the meantime, visit me online. [00:20:42] Craig peterson.com and sign up for my free newsletter. [00:20:49] The best way to secure a system is something, you know, and something you have, well, many systems have been securing themselves with your phone, right? They send you a text message, but it turns out that that isn't working well. [00:21:05] Having an SMS message sent to you in order to authenticate who you are, has turned out to be well, a problem we've seen over the last few years, people who have things like cryptocurrency who have a cryptocurrency wallet who are keeping their money, if you will, in this wallet and are using. [00:21:30] SMS to verify who they are. So here's how that works. You log into a website using a username or perhaps an email address. Again, it should not be asking for an email address for a login because you probably use the same email address or maybe two or three. And. Have for what? 50, a hundred different sites, maybe a thousand, I've got 3000 records, uh, logins on my one password account. [00:22:02] Okay. So there's a lot of them. They really should be letting you set up your own username so that it can be unique. For every single website that you go to. So, but anyway, that aside, you've got your username, which may be your email address. You've got a password and we've talked about passwords before. [00:22:21] Hopefully you're following the current guidelines, which are, don't worry about random characters, make sure it is long. And that means. A past phrase. So you string three or four words together. You put some digits, some special characters in between the words, maybe, you know, one word is all upper case. You, you play with it a little bit, but it's easy to remember. [00:22:48] So if someone then gets your email address and they get your password, they can potentially log into a website. Correct. And that website might be your bank account. It might be your work account. We've had a lot of problems lately. The FBI is saying that about every 12 hours, they're filing a new report of a company that got their intellectual property stolen. [00:23:22] one of the ways the bad guys steal it is they'll log to your RDP server, your Microsoft remote desktop server, using your credentials that you used at another website. It's that easy. It really is. They might be trying to log in via a VPN again, the same thing. So how do you secure this? How do you secure this? [00:23:47] Well, how to secure this properly? That's where the something you have comes into play. We all have a smartphone of some sort, even if it's not considered a smartphone, it can still receive text messages. So what a lot of these companies did is they asked their underpaid it people to set it up so that when you enter in your username and your password, it then sends you a text message. [00:24:16] Usually with a six digit text message and you then have to type that into the website as well. Seems pretty good. Doesn't it? Well, and, and in 30 it is pretty good. There are however, a few problems. Those people I mentioned who have cryptocurrency accounts and have been using this SMS methodology, which is SMS, of course, text messages have found that sometimes their phones have been hijack. [00:24:48] easy enough to do. And if they know you have a fair amount of cryptocurrency, it's probably worth their effort to spend a few hours to try and get into your account. And they have been getting into your account and people notice, Hey, wait a minute, I'm a kid. They do phone calls or text messages. What's what's with that. [00:25:07] And you found out that they have dismissed you, they have stolen your. Your, uh, SIM card, basically, even though they don't have to physically have hold of it. And there's a number of ways that they do that there's a new scam or newer scam that's out right now that the fishers are using. And that is they're sending out these SSMS, these text messages that are trying to get people to respond. [00:25:34] So how do they get people to respond? Well, In this case, they're primarily going after this company called Octo Octo post. And, uh, there's a number of different types of Octos out there, but anyways, they are trying to get you to. Do something you shouldn't do let me just put it that way. Right. So what they're trying to do is get you to, uh, enter in your username and your password. [00:26:04] Okay. Well, that's been around for a long time. Craig, you're telling me we've had fake bank account, uh, bank website. So they'll send you an email and in it, they'll say, Hey, I need you to go right now. to our bank page and, uh, authorize this $2,000 transaction that wasn't you. And so now you're freaking out, you click on the link, you go to the bank, you try and log in and the login doesn't work well. [00:26:31] That can be because what the fishers did is a made a webpage that looked like the bank's web page. And when you went there and entered in your username and password, you just gave it to the crooks. That's happened a lot. Well, there's a company called Octa O K T a. That is an authentication company. And what the bad guys have done is they have registered domains similar to a company. [00:26:59] So for instance, they went after CloudFlare, which is a huge, um, company they're number one, I think they have like 80% of all of the protection for denial of service and caching a business on the internet. It's just amazing. Cloudflare's huge. And I've used them and continue to use them for some customer. [00:27:19] So, what they did is they found a whole bunch of people that worked for CloudFlare sent them a message. And, and here's what it said. It said alert, your CloudFlare schedule has been updated. Please tap cloudflare-okta.com to view. The changes. So you go there, it looks like a regular Okta login page and they go ahead and ask user name and password, but CloudFlare is smart. [00:27:47] They're using Okta. So they're sending an SMS message to the user to make sure it's really, them turns out what was really happening is yeah, it was sending that guy a text message and it was using telegram. To relay that his response back to the hackers. So now the hackers have your username, they have your password and they have your six digit login key. [00:28:15] That's supposedly unique that supposedly went to you. And in this case, they didn't even have to bother a hijacking your SIM card. In this case, they just sent you that text message. So it's been causing some serious problems. They've been going after all kinds of different companies out there, uh, food service company, DoorDash you've heard of them. [00:28:37] Right? August 25th, they said that there was a sophisticated fishing attack on a third party vendor that allowed a attackers to gain access to some, a door dashes internal company. Tools DoorDash said, intruders stole information on a small percentage of users that have since been notified, big deal, or what a tech crunch, by the way, reported that the incident was linked to the same fishing campaign that targeted Twilio. [00:29:07] That also, as we just mentioned, targeted cloud. So we have to be careful with this. We cannot be using SMS text messages to authenticate ourselves. Some banks now allow you to use one time passwords from things like one password or others. However, some banks don't turn off the SMS, the text messages for authentication, which they really should be doing. [00:29:36] And the other thing I wanna let you know is I like UBI. Y U B ico.com. Yubico check them out. I'm not making a dime off of this, but they have a physical token. That you either have to plug in or the connects via Bluetooth. That is something you have that authenticates you to all major popular websites out there, and many of the tools. [00:30:03] So if you have any questions, just email me, me@craigpeterson.com gimme a few days, but I'll get back to you. [00:30:12] Have you heard about fog reveal? They it's almost invisible when you search for it online, but it's something that police departments have started using. And they're trying to keep all of this secret. So we're gonna tell you what's happening there and got a few others too. [00:30:29] Great little article that was in the newsletter this week. [00:30:32] Hopefully you got my free newsletter, but it is about fog reveal. This is an ours Technica. Often some of these ours Technica stories are carried in multiple places online. It's kind of interesting because we know to some degree what the federal government's doing to collect information on people, they go to open source. [00:30:57] Sources of information. In other words, things that are put out there publicly online, so they might search you your Facebook information or what you've been saying on Twitter, uh, or more, they go to data brokers that anybody can go to. And those data brokers have more information. They probably. Bought records from the states and they know from each individual state what property you own. [00:31:25] If you have a car, if there's liens on it, any mortgages that you might have, right. Putting all of the stuff together. It's kind of an interesting problem, frankly, but that's a, again, they say it's legitimate. Now the federal government is not allowed to collect this information. So they just go to third party data aggregators. [00:31:45] And remember again, If you have apps on your phone, if you have an Android phone, this does not apply to iPhones. Generally it does apply to iPhone apps. However, but, and this is part of the reason I say never, ever, ever use Android. Okay guys, I, I just. Blows my mind. I, I was talking to an old friend of mine. [00:32:09] Uh, he was the, the CTO in fact for the state of New Hampshire. And he was telling me that, uh, you know, we were talking and telling me, yeah, yeah, I got an Android phone. He says, don't you just love Android? And he knows that I do cybersecurity. He knows I've been in it. He hired my company to do a bunch of different tasks for the state, right over the years, we still do business with the state and he's using Android. [00:32:41] He's probably listening right now. BU get a little note from him, but, uh, it, it, it's a problem to use Android any. Those free apps that you're using, that Google maps app that you're using. And of course you can use that on iOS as well is tracking you. They know where you live because they know where your smartphone stays at night. [00:33:04] They know all of this stuff. How do you think the FBI is able to seize a smartphone at a Hardee's drive through. they know where you are. Well, they have some more access to information as it turns out. Uh, one Marilyn based Sergeant, according to the article wrote in a department, email TDY, the benefit of quote, no court paperwork and quote before purchasing the software. [00:33:37] And the Sergeant said the success lies in secre. interesting. So the electronic frontier foundation, FF, who I have supported over the years and the associated press got together. Now, the associated press won a Pulitzer center for crisis reporting, uh, award, I think. But anyways, the Pulitzer center for crisis reporting also got involved here. [00:34:05] So she had these three different organizations trying to figure out. what could, or what would be considered local places best kept secret. So they went online. They started doing some searching, trying to figure this out. And according to ours, Technica, the reporting revealed the potentially extreme extent of data surveillance of ordinary people being tracked and made vulnerable just for moving about. [00:34:38] Small town America. So it isn't just the big cities where you're tracked anymore. Reports showed how police nearly two dozen agencies. One record shows the total figure could possibly be up to 60. Use Google maps, like technology called frog reveal. now this is licensed by fog. I, I keep saying frog it's fog licensed by fog data science, and it gives state and local police a power to surveil. [00:35:10] Hundreds of billions of records from 250 million mobile devices. And if that doesn't scare you, I don't know what does now FF, the electronic frontier foundation found that fog reveal gets its data from veal. That's the same data source the feds use. neither companies disclosing the nature of their business relationship. [00:35:33] Okay. They fog, reveal. Didn't say what Tel is providing and vice versa, right? Yeah. But it really appears that fog reveal is getting data location services to local police at its steep discount. So it's making it more affordable for smaller police departments and private security companies to access major amounts of data and trace devices across months or even years. [00:36:03] isn't that something. So typically FF found that police agencies license the software annually for costs as low as six grand to nine grand. Some agencies spend even more on this tech to track people as they are moving and exactly where they are. Again, think being in a Hardee's drive through having the FBI show up. [00:36:27] Knowing you're there. Uh, ours reviewed one annual contract in Anaheim, California. That was for more than $40,000. So it took months for these three organizations that are used to digging into this sort of stuff, uh, to figure this out, took more than a hundred public records requests to gather thousands of pages of evidence to trying to compile a picture of how local law enforcement. [00:36:55] Is using and mining the location data. Now, to me, this is scary because we look at abuses of power. Through the years and I it's happened again and again and again, we are smelling more and more like Venezuela than we are free us. It's frankly scary, scary to me, but I'm talking about it cuz I think it's important. [00:37:21] That I bring this to light to everybody else out there. Okay. Now fog data science, managing partner, Matthew Brodrick told the associated press that fog reveal has been critical to police to save time and money on investigations, suggesting police who are under-resourced and investigation suffered from reliance on outdated. [00:37:44] Outdated tech now that's true. Isn't it? But isn't it also true that, uh, that's why we have some of these policies and procedures in place. That's why the Supreme court Miranda decision has some policies and procedures. That's why a warrant, a search warrant is supposed to be specific in what they're looking for and where it is located. [00:38:11] We don't allow these broad warrants that the king used to issue, but we are doing that nowadays. It seems against political enemies and that's where it starts really, really scaring me. It isn't that I think that the, the current administration it, or even the next administration in Washington, DC, is going to be rounding up its enemies and putting them up against a. [00:38:38] But when would it happen? Well, it would happen if everything were in place for it to happen. What's one of the most important things for fastest regime. It's to have a citizenry where they know everything about everyone. It, it reminds me of the Soviet era. Show me the man. I'll show you the crime. There's a great book out there right now. [00:39:04] I think it's called, um, three felonies. a day, I think is what the name of it is. But the, it points out how every last one of the people that call ourselves Americans in the United States of America, every one of us commits at least three felonies a day. Now a lot of these things are just absolutely crazy. [00:39:26] You know, there's been a lot of jokes about, oh, did you chair the label off of that pillow? Well, you can cuz you're the consumer, right? It's. The people that are selling it that are in distribution chain that cannot tear that off by law. Okay. But in reality, there is a lot of stuff that could be used against you. [00:39:46] So it it's like when they say, uh, you know, give me this, or why don't you answer that question? It's none of their business. You have a right to be secure in your papers right now, if they have a warrant that's specific, then you need to surrender it. But hopefully the warrant's actually issued by real court. [00:40:08] Some of these agencies now, uh, like the IRS have their own courts that are paid for by the agency. The judges are working for the agency. So you really think they're gonna be fair. I wonder, I wonder. Okay. Couple more things. Next up these pictures taken by the James web space telescope. Have you seen these? [00:40:35] It is amazing. I've seen them side by side with our latest or, you know, our previous high tech pictures. And we're seeing what maybe galaxies that we never could see before. It's just absolutely crazy. Well, guess what bad guys have seen them as. And they are embedding malware inside of some of these amazing images taken by the James web space telescope. [00:41:05] If you can believe this, by the way, they're writing them in go. Uh, so the Phish and emails, they've got a Microsoft office attachment. That's the entry point for the attack chain when you open it, it retrieves and obfuscated, VBA, macro, which in. Auto executed. all of a sudden there is a macro that is de obfuscated and run on your computer. [00:41:34] So be careful careful with that again. And good news. Microsoft is now turning off the execution of macros by default. Double check your machine, making sure that macros are blocked by default. So, yay. Okay. So they are, by the way, changing campaigns to rogue link and ISO files because of the blocked macros. [00:41:56] But, uh, it's good that Microsoft is doing that. Thank goodness. And you Ukraine, the police busted a crypto fraud call center. In fact, more than. And they're also shattering two more Russian bot farms. So we shouldn't be getting as many of those, uh, phone messages from the, uh, the bad guys scammers as we used to get. [00:42:20] Thank you, Ukraine. All right. Online Craig peterson.com. Get that newsletter and stay on top. [00:42:29] Well, we got some election news here from our friends at Google and at Twitter, they are taking opposite directions about exactly how they're gonna handle news postings about the elections. This is an interesting thing. [00:42:46] The federal election commission is the branch of the us government that monitors elections. [00:42:53] It does things like impose fines for misuse of funds. It sets some of the standards for funds and for their use. And. and one of the things it looks at is what are called in kind contributions. This is where someone might, uh, for instance, run a whole bunch of ads on behalf of a candidate. And those ads are coordinated with the campaign and that is illegal. [00:43:24] You're not supposed to do that. And because it's illegal, you know, they try and stop it. But most of the time they end up finding after the fact. And that's part of the reason they want campaigns to be filing their financial reports fairly frequently so they can catch it quite quickly. Well, There have been many complaints from the G O P about what has happened with some of the campaign finance stuff, where you have someone like Facebook or Twitter or Google, who seems to be meddling with the election. [00:44:02] They are running ads for your competition. They are really screening the results from people's searches. And from that those results they're, they're benefiting. There was a study down in orange county here a few years back where they looked at. Google results that were related to the elections going on in orange county and found that the Google results were tainted in such a way that it dramatically favored the Democrats that were running in those districts in orange county, California. [00:44:39] Pretty interesting when you get right down to it. So the GLP says, wait a minute, now that sort of thing is worth millions, tens of millions of dollars, because if they were going to run TV ads, for instance, to get as many eyeballs, to get as much attention to convince people that this is the way they should vote, that would cost them tens of millions of dollars. [00:45:02] So how much is it worth? Where do you go to really straighten things out in order to ultimately make fairness work and well, you know, that's kind of what the federal election commission's supposed to do. Well, here's, what's happening with the next elections. The federal elections commission has decided that Google. [00:45:28] Getting rid of their anti spam measures for. Candidates does not violate a ban on contributions on inkind contributions. So this is an interesting approach because Google's saying, Hey, listen, we want to allow pretty much any political message to come right through to Google Gmail users, inboxes, and not filter those. [00:45:59] Which I frankly think is a smart move on their part. Now some of these campaigns get pretty crazy. They're sending money requests all of the time. It it's been crazy to watch both sides do this and both sides complain about the other side, doing it. But at least by getting rid of these spam rules for the politicians, their messages are gonna get through. [00:46:24] I think that's ultimately a very good thing. So what kind of messages are gonna get through how and why? Well, ultimately they're saying we're gonna let all of them through. and what that means for you. If you already get some of these messages from the politicians, it means your mailbox. At least if it's a Google Gmail box, you are going to be seen even more during elections. [00:46:51] And I think this is gonna go on for very long time. Because Google doesn't want to get caught in the middle. When we're talking about these in kind contributions. If this were to be done for the Republicans or were to be done just for the Democrat, can you imagine the noise that would be made? By both sides and in kind contributions where the Republicans tens of millions of dollars Googled get dull tied up in some of these, uh, you know, lawsuits that would really be inevitable. [00:47:23] Bottom line. Well, Republicans have accused. Google of giving Democrats an advantage in its algorithms. And, and as I said, there have been studies on that that have proved that they have. The big question is why. And there's an article in ours, Technica talking about a meeting that happened in may 20. 22 between Senate Republicans and Google's chief legal officer. [00:47:52] And he said that the most forceful rebuke came from Senator Marco Rubio from Florida who claimed that not a single email from one of his addresses was reaching inboxes. And the Washington post, which of course is a mouthpiece for the Democrat party reported in late July. That the reason it was getting blocked was that a vendor had not enabled an authentication tool that keeps messages from being marked to spam. [00:48:21] Now, if that's true, The Washington post accidentally reported the truth here. And it might be true. I had a company call me up this week. They had their Google ads account banned, and they were trying to figure out the details of why and what happened. And I went in and we solved that problem, and I noticed that they had. [00:48:44] Properly configured their email. There's there's gets technical here. I have a paper we've put together on this, a special report talking about what's called D K I M. These, uh, SPF records DMAR records and how they should all be set up and why I need to use them. So this company was doing marketing. [00:49:04] Obviously they had a Google, Google ad account. They were sending out emails, but because they had not properly and fully configured their email. They were not getting delivered at the rate that they could get delivered. Now that's kind of a very, very big deal when you get right down to it. And the Washington post is saying, well, that's what happened to center to Rubio. [00:49:26] Now there's other things that might happen too. There are. Keywords that are used. There's software called spam assassin. That's very, very common. I have used it since it came out decades ago. I can't even remember how long spam Assassin's been out there, but it looks for certain things in the emails. , it looks for a lot of graphical content, a lot of HTML, even a lot of links and it kind of, it gauges, you know, this is likely spam on this scale. [00:49:56] And typically if the, the score is higher than five or eight, or in some cases, some people said as high as 15, that email is bounced. Well, one of the real big checks as to whether or not this is legitimate email is to check and see. Who is the domain? Does that domain have these special keys that tell us? [00:50:19] Yes, indeed. This did come from us. In other words, in this case did come from Marco Rubio or in the case of my client, it came from their company.com. And is it signed encrypted so that we know that nobody's kind of playing a man in the middle thing, trying to mess things up on us. And they say, okay, well that's a really good score. [00:50:40] So we will, we'll lower that spam score. And, and that's how that game is played. So what by Google doing what it. Talking about doing it's really gonna help out because I have of every company I've checked for email, email deliveries, we've got a, a new customer that is a startup and you know, what do they know? [00:51:02] They they're very narrow. Right? They understand their. Basic technology and their email again, was set up kind of like apparently Senator Rubio's email was set up and, and didn't have these things. And just like this company that I helped this week, they didn't have it set up properly. And, uh, they had experts who supposed experts who had set it up, but both cases, right. [00:51:26] It was outsourced. Yeah. You know how that goes. Now, some Gmail users submitted comments to the federal elections commission and they were criticizing Google's plan cuz they did not want to get more spam. Okay. And there were more than 2,500 comments. You can find them by the way, online, all of the stuff is a matter. [00:51:48] Public record and they call it the docket. And so there's a page out for this particular docket and the commissions through Republicans and Democrat commissioner voted for the order appro Google's plan. I think this is a very, very good deal. And it's really kind of the opposite of what Twitter is planning on doing Twitter has. [00:52:12] essentially announced that it's going to. In the elections. Yeah. So you got Google on the one side saying our hands are clean. We're staying away from this. We don't want anything to do with this. Thank you very much. We love you, but, uh, forget about it. We're just gonna let all the emails. Through, Twitter's saying that it's going to have its wonderful sensors who have been proven right. [00:52:39] Every time he said with his tongue firmly planted in his cheek, and they're gonna have those wonderful sensors that, you know, they're sitting in the basement and, and eating pizza and drinking Coke or red bull. I, I still kinda understand why somebody that's 30, whatever years old needs, energy drinks, you know, come on, come on. [00:53:00] Uh, but anyways, They're they're saying that they, Twitter is going to be the determiner as to whether or not something that is posted on Twitter is correct. Or if it should be censored or if it should be blocked entirely. And they're admitting that they're gonna shadow ban conservative content, they don't like isn't that. [00:53:25] So. Yeah. Uh, that's from the gateway pundit good article. And you'll find it in this week's newsletter. Uh, I think it went out Monday this week and you can follow the link through to these articles on Google and Twitter and the elections or any of the others that we have out there. So stick around, we'll be right back and make sure you sign up. [00:53:46] If you didn't already get that newsletter. Absolutely free. Craig, Peter son.com/subscribe. [00:53:59] I'm not sure a week goes by where I don't hear from a listener saying that somehow Facebook is tracking what they're talking about because all of a sudden ad starts showing up. And they're related to things that they've been talking about. [00:54:16] Meta is the owner of Facebook and Instagram and, and some other things like WhatsApp, which is part of the reason I don't trust WhatsApp, but we've had, I don't know how many complaints from people saying that Facebook is listening in to what they're talking. [00:54:36] And people are kind of wondering, well, wait a minute. Is it listening in on my phone calls? Is it listening when and how? It's a very, very good question. Now Facebook says in a statement that Facebook does not use your phone's microphone to inform ads or to change what in the newsfeed. Some recent articles have suggested that we must be listening to people's conversations in order to show them. [00:55:06] Ads. This is not true. We show ads based on people's interests and other profiled information, not what you're talking out loud about. We only access your microphone if you've given our app permission. And if you are actively using a specific feature that requires audio, this might include recording a video or using in an optional feature. [00:55:30] We introduced two years ago to include music. Or other audio in your status updates. So there it is. There's the official word from our friends over at Facebook. But do you notice there's a little bit of an out in there, right? Facebook does not use your phone microphone to inform ads or change what you see in your news. [00:55:55] Doesn't use your microphone. So there's a study out right now. That is from an X Google engineer. And this article is in the guardian and they are talking about what he found. So, let me explain the background on some of this technology. First, if you are an app developer, if, if you're a developer of any software of any kind you use libraries and these libraries do things like search for a specific set of characters called a string or in search. [00:56:31] Them or move things around or open a connection to another machine. So rather than having implement the whole T C P I P stack and ethernet underneath it and, and all of the operating system work that you'd have to do with all of the interrupts and the buffer fills and reading, toggling. As switches in the hardware, doing all of that sort of stuff. [00:56:52] You just make one library call and say, listen, and you give the port and TA anybody who tries to connect you. It just comes right through. It's all taken care of for you, right? That's what libraries are all about. And they've become much more complex, more recently libraries nowadays can do things like provide you with a full web browser. [00:57:16] Many of the applications that we use on a daily basis, these apps in our phones, particularly, but it's also true with some of the apps on our computers are actually. Just web browsers. They're web browsers that talk to a server out on the internet and yeah, there might be wrapped in various things, but oftentimes if you're trying to pay within an app, it'll go to a third party site. [00:57:44] And part of the beauty of that is. Becomes a, a service to them. They don't have to worry about coding it all up. Right. They don't have to worry about taking your money, keeping everything safe. Am I using really good algorithms here to encrypt it can bad guys hack in? No, no, no. There's, they're just calling this routine that spins up a little web browser. [00:58:07] Inside the application and uses a secure connection to talk to the web server somewhere who cares? Not mine. I'm just the app developer, right? I'm letting you play your farming game or whatever it might be. That makes sense to you guys. So it makes their life much, much easier. Why bother if you've got a website that does everything, why bother coding it all up from scratch in an app? [00:58:34] They don't people don't. Why would. Well, we've seen that again. And again, for instance, look at Microsoft's latest browser out there, edge, not the original edge, but the latest edge, you know how Microsoft is, right. They call it the same thing, even though it's entirely different. Uh, yeah. How many versions of windows where they're like 20 at one point, right? [00:58:56] Different ones or different architectures and just crazy. But now the edge browser is. Built on chromium, which is Google Chrome, which is built on Apple's libraries to manipulate, draw things, et cetera. So you're running your edge browser on your Microsoft windows, computer. You're actually running code libraries. [00:59:21] If you will, from Google and from apple. And that way, if you're developing a browser like edge, you don't have to worry about every little nit bitty thing. That's all taken care of by other programmers who are making a smaller piece of code. Now that's been the whole Unix philosophy forever, by the way. [00:59:42] Instead of having these monolithic applications. That could be just full of bugs and security problems. You just have nice small, easy to maintain, easy to research applications and let other people worry about the little pieces, which is really kind of cool. It's great. Many browsers in fact are based right there on chromium and they modify it around a little bit. [01:00:07] Microsoft added all kinds of spyware to it. Well, it turns out. According to this research from an ex Google engineer that both Facebook and Instagram apps have been taking advantage of this in-app browser technology. And what they're doing is users who click on links inside the Facebook app or inside the Instagram at gram act are actually taken to the webpages. [01:00:39] Using an in-app browser controlled by Facebook or Instagram rather than sending you to your default browser. So if you are using iOS, your default browser might be safari, which is a rather safe. Browser and good for privacy, or you might have decided you wanna use the Chrome browser on iOS or maybe Firefox or brave, or one of dozens of different browsers that are out there. [01:01:10] No, no, it's not gonna use those. It's not gonna use your default browser. It's going to use the in-app browser. And what it's doing with that in-app browser now is here's a quote from him. The Felix Crouse, he's a privacy researcher founded an app development tool that was acquired by Google in 2017. He says, quote, the Instagram app injects their tracking code into. [01:01:37] Website shown, including when clicking on AB ads, enabling them to monitor all user interactions. Like every button that you press, every link you taped, every piece of text that you select or highlight any screenshot you take, any forms, you fill out any user forms, things like passwords addresses, credit card numbers. [01:02:06] Are all seen by the Instagram app? Yes, indeed. So in the statement, of course, uh, medicated that injecting a tracking code, obeyed users preferences on whether or not they allowed apps to follow them. And there was only used to aggregate data before being applied for targeted advertis. Now, this is interesting because according to Crouse, this code injection, uh, was tracked and he was able to look at doing, doing it right for normal browsers. [01:02:42] His test code detected no changes, but for Facebook and Instagram, it finds up to 18 lines of code added by. App into the webpage. So there you go. JavaScript injection and more from our friends at Facebook and Instagram. So they are tracking you, but apparently. They're not listening to your microphone, but they're watching you as you cruise around the web thinking you're using your browser, but no, no. [01:03:18] You're using theirs. Hey, stick around Craig peterson.com. [01:03:24] Cell phone security is something I've talked about for a long time. And you guys know my basics here. If you've been a listener for really any length of time, when it comes to smartphones, we're gonna get into this in more detail, particularly after this raid. [01:03:41] Well, of course everyone's heard, I'm sure about the rate on Trump's property, Mar Lago. [01:03:48] There was something else that happened right. About the same time. And that was representative. Perry Scott Perry was traveling with his in-laws, uh, who are described as elderly. They were on vacation. He's a Republican representative in the house of Congress from Pennsylvania. And he told the Fox news people that three FBI agents approached him, issued him a warrant and demanded he hand over his. [01:04:24] He said they made no attempt to contact my lawyer, who would've made arrangements for them to have my phone, if that was what they wanted. He says I'm outraged. Although not surprised that the FBI. Under the direction of Merrick Garland's DOJ would seize the phone of a sitting member of Congress. My, my phone contains info about my legislative and political activities, personal private discussions with my wife, family constituents, and friends. [01:04:53] None of this is the government's business. Now that's really an interesting point. And, and it brings up the discussion about our smart devices, you know, what should we be doing with our phones and, and what is it frankly, that our phones have in them. Now, just think about that for a minute. Scott Perry rec he, he not recommended. [01:05:21] He mentioned that he had all kinds of records. That were in that phone. You do too. You've got your contacts. Of course. The phone contains information about who you called, where you went, cuz it's got a GPS tracker, but even if GPS is turned off, it's still tracking which cell towers you've connected to. [01:05:43] Uh, we've got all kinds of email in our phones, which are gonna contain business documents, private documents, attorney, client, privilege documents, all kinds of stuff there. And we have the fourth amendment, which protects the right of privacy against unreasonable searches and seizures by the go. Now, in this case, obviously the government got a warrant we could argue about, you know, how legitimate is the warrant and should they have issued it, et cetera. [01:06:16] Right. That that's not what I'm talking about. This is not a political show. In reality. What we're talking about here is the technology. The technology we're using to store this information, this personal information, what should we be using? What shouldn't we be using? How should we use it? Right. All of that sort of stuff. [01:06:38] Well, okay, so we've established that there was not apparently a fourth amendment violation here. There, there might have been, we don't know. We may never know. It doesn't really matter, but if someone gets a hold of your smartphone or your tablet or your computer, what information does it have on there? [01:07:01] And we also have a right under the fifth amendment. against self-incrimination. So if someone's thumbing through our phone, what are they gonna find? People plead the fifth amendment all of the time, because they don't want to get trapped in one of these traps where maybe you don't remember the date. [01:07:24] Right. And all of a sudden you're in a perjury trap because you said something that wasn't true. Well, you know, our, our memories aren't the best, particularly when we're on vacation, we've been drinking a little bit, right. if someone finds your phone, opens it up, someone steals your phone and opens it up. [01:07:44] Someone gets a warrant for your phone and opens it up. What's in there. Now some people have in the past said, okay, what I'll do is I'll just go ahead and I'll wipe my phone remotely and they've done it. Right? The police have had the phone in evidence and in evidence locker and somebody remotely went ahead and wiped their phone. [01:08:04] The police are onto. And what the police have been doing more recently is they put it into a special bag that blocks any sort of signals coming in or out as well as the room. Right. It's kind of a fair date cage anyways, and that way, bad guys, good guys who, if the phones are stolen, they can't remotely wipe them, which is a good thing here, frankly. [01:08:30] But what are we ultimately trying to protect from? That's the question, right? It it's, who's gonna have your phone and what are you trying to protect it from personally? I'm not someone who truly trusts the government. I'm a firm believer in our constitution and our bill of right. Ultimately governments become corrupt. [01:08:52] It happens every time. And even if the whole government isn't corrupt, there's guaranteed to be people within the government, within their bureaucracy, the deep state, if you will, who are out there to get you right. makes sense to you. Makes sense to me. I don't know, but our phones, our smartphones, our computers have a lot of stuff in them. [01:09:14] I've talked on the show before how you should not be taking them to China. If you go to China, because of the evil made. T where they are grabbing your phones. They are duplicating them. Same thing with Russian travelers. Not as much as has been happening in China, but it's happened in Russia, probably a lot now with the whole war thing. [01:09:36] Right. But you shouldn't be taking them because they can be duplicated just like rep Scott. But Scott Perry's phone was duplicated. Now the, the FBI apparently said, well, we're not gonna look through well, why you're duplicating it then. And you know, maybe it's just to preserve evidence. I really don't know, but the bad guys can get at your phone employers if they own your phone can get at your phone and they can get a lot of data out of that. [01:10:06] What do you do? Well, bottom line, if you are traveling internationally, you're gonna wanna make sure to wipe your phone and just bring along maybe a, a basic little flip phone. Uh, cetera. Now there is software that we use. For instance, we use one password and duo in order to keep track of all of our stuff, right. [01:10:31] Our personal information. And. That's the two factor authentication stuff that we use, and we can tell it, Hey, we're traveling out of the country and we will only need these passwords. And it goes ahead and wipes out the password database so that we're not carrying a whole bunch of stuff with us that might be compromised by, uh, a government agency right within what is it? [01:10:54] The USS 50 miles of the border. They can confiscate and examine anything that you have, even if you're not trying to cross the border. and they'll do that at airports. They'll do that at a whole bunch of places. And then you've got the employer side and then you've got the bad guy side. Look at what happened to Khai with the Saudis right here. [01:11:16] He was, uh, you know, a journalist. We could argue that I suppose, but he's a journalist. He is abducted and he is murdered by the Saudis. They get their hands on the phone and they decrypt the. this has happened and it'll happen again. So Apple's done something here that I think is a good step in the right direction. [01:11:40] Apple, of course I've recommended for a long time. Never, ever, ever, ever, ever use Android. Okay. Don't. Use it, Google's using it to track you. You're losing your privacy and the security. Isn't very good. Particularly if your phone's more than three years old, apple has come up with this new lockdown mode on their phones and the lockdown mode is meant for. [01:12:09] People who are really under thumb, you know, people living in Russia or Ukraine, or you name it, Iran, all of these countries that are really out to get their citizens and it it's coming out in iOS. You'll see it there. You probably don't want to use it as a regular person, cuz it does block some of the things you can do, but it also locks it down against these Israeli based companies that have been selling software and hardware to break into cell phones. [01:12:44] So consider iPhones. And if you are one of these people, who's at a high risk consider lockdown mode. [01:12:51] I warned last week about using the ring camera as well as Google's camera. We've got some more news about that today. I was right. A major breakthrough in nuclear fusion and a new toolkit released. Talk about it all now. [01:13:08] Well, quite, quite a time, you know, I, I remember when I first started doing the radio show, uh, 22 years ago, now it started right there year 2000 Y two K and I, I was, uh, wondering, you know, am I gonna have enough stuff to talk about? [01:13:27] and my wife, who was just the most amazing person had been helping me and we subscribed to a bunch of newspapers. Yeah. There used to be newspapers back then. And she went through and was clipping articles that we thought might be good, that people might want to, uh, to hear about. And so she had all. Files. [01:13:49] And we, we subscribe to like four or five different newspapers, including the trashy ones like USA today, just so we knew what was going on out there. We had the financial times and the London times and New York times, and we got just files and files worth of stuff. And didn't take us long to realize, Hey, wait a minute. [01:14:14] There is so much tech news out there and stuff to talk about, uh, that weren't, we don't have to worry about that. So we canceled our subscriptions to all of these different things. I, I have actually a subscription to the New York times still, cuz they gave me a buck a week, which is not a bad deal for the online version because the old gray lady still does have some good text stories. [01:14:39] Some of the other stuff obviously is a problem, but, uh, yeah, tech stories anyways. Now we do a lot of this stuff online, the research, and I put it together and send it out in my newsletter every week. And man, did we have a lot of you guys reading it on Monday was the most, most, uh, red newsletter of mine. [01:15:01] The insider show notes newsletter. Of any of them ever. It was really great. It was like I had a, almost a 50% open rate there within the first day. So that's cool. Thank you guys. And obviously you really value it or you would not have opened that newsletter and click through you. See what I do? Is, uh, you probably know, I appear on radio stations all over the place and I I'm also of course have my own radio show here and elsewhere, and my podcasts, which are on every major podcast platform out there. [01:15:40] And I've been doing this for so long this week. What am I at here? Show? Number, I think it's like 1700. I'm trying to remember weeks. Okay. That's weeks of shows and, uh, we, we have never hit the same stuff twice, which is really rather cool. One of the things I brought up and this was in, uh, a recent show is about. [01:16:09] These ring cameras. And I warned everyone not to use ring and went through the whys. So if you have my newsletter from. A few weeks back, you can just probably search your email box

Historically the best forecasters have been able to consistently recognize that we are in a recession. Once we are actually in one to preemptively determine its onset has riddled economists for decades. Yet, an AR is Lawrence soon called a recession in August when he said, "In terms of economic impact, we are surely in a housing recession." A recession is defined by Oxford is a period of temporary economic decline during which trade and industrial activity are reduced. This is generally defined by a fall in GDP for two consecutive quarters. This definition has then been further clarified by the National Bureau of Economic Research to a significant decline in economic activity.  Active listings while almost double last year, they've started their seasonal downward slope towards December by dropping 5.7% month over month, new listings peak a few months early this year dropping another 18.5%. This month, median and average home prices have also seen a steady slowdown from well over 20% earlier this year to 6.8% average and 8.5% median year-over-year increase in August. Days in the MLS grew from six median days to 11 and close to list dropped to 99.41%. Year-to-date new listings and home sales are behind 2018 and 2019 by approximately 8%, showing that both sellers and buyers are moving slower, not just than the pandemic frenzy but also the pre-pandemic seasonality. The slowing has come primarily from the rapid rise of mortgage interest rates increasing the monthly cost to purchase August saw more than its share of volatility. Think of a child you've been giving Tootsie Rolls to for over an hour to keep him quiet during your very important meeting. How justified is the pain that child ensues as he works his way off the sugar rush? Justified or not, inflation must be tamed, and it will cause pain, but that pain is relative. It's relative to the specific household and the specific industry. ADP's August employment report also showed pay increases nationwide for those who stayed on their job by 7.6%, and up for 16.1%; for those who got new jobs, consumer sentiment even increased this month by 13% due to a 59% surge in the year ahead. Outlook for the economy? Consumers are feeling good about inflation, getting tamed jobs secured and a quick economic recovery. All of this comes back to defining a housing recession. Lawrence said it best, "It is a difficult market for those selling homes and for home builders. But homeowners continue to accumulate housing wealth from rising home prices." I will concede through the definition of a housing recession by slowing the sales cycle, but with builders, not building, homeowners locked into rates not likely to be seen again, and baby boomers aging in place, inventory will not right size for a very long time. If ever this lack of inventory will keep home prices increasing over 27 trillion in homeowner, equity will keep homeowners from having to sell at a loss wage increases will keep buyers able to purchase. This is Nicole Ruth with The Rueth Team, now the proud and excited newest member of the OneTrust Home Loans, family. It's my pleasure to keep you updated. Listen to the full 9-minute episode to get more detailed comparisons and statistics.  

A recession is always coming, it's just a matter of time.  It's purely the nature of a cyclical economy. “Are we in a recession” searches continue to hit record levels on Google, and talk of a housing recession has some counting on the bubble to burst.  With more inventory and all other numbers lower across the board, it's starting to look like a recession, or, maybe it's just the slowdown we've all been hoping for. A recession does not equal a housing bubble.  While there will be layoffs, slowed production, and a softening in consumer spending, Americans are coming into this recession with $2 trillion in savings and twice the home equity there was in 2006. Colorado is also protected by having 38% of homes owned free and clear, only 1.7% of mortgaged homes delinquent, and a current foreclosure rate of 0.1%.  If home prices continue to slow, as I expect they could during the second half of 2022, recent buyers might lose a little value, some homeowners might even need to sell quickly, but most will simply not sell.  Knowing that as rates drop, as they consistently do during recessions, pent-up demand will reengage with our limited supply, forcing multiple bids and yet again higher prices.  Institutions, first-time home buyers, and those who have been waiting will all be ready to buy on these dips. And since we have not yet achieved an inventory level that could comfortably sustain a surge in demand, the thought of a housing bubble eludes me.       Nicole Rueth, SVP The Rueth Team 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw Nicole Rueth (NMLS 239840) is licensed to practice on behalf of OneTrust Home Loans (NMLS 46375) in the states listed below. For full compliance verbiage, visit theruethteam.com/compliance/. AZ, CA, CO, FL, ID, IL, IN, KS, MI, MN, MS, MO, MT, NE, NM, NC, OK, OR, TN, TX, UT, VA, WA, WI, WY.  

Inventory exceeded demand in June for the first time since the same month in 2020. Spiking 94% year-over-year and 66% month-over-month.  Price reductions, according to Redfin, increased to 40% of homes on the market in Denver.  If the story ended there, it might concern me.  Sellers flooding the market giving homes away at discounted prices. But the story is much different than that.  June ended the first half of a transitional 2022 and it did so with a bang.  Cryptocurrency is down 60%; the stock market had its worst first half of a year since 1970, inflation hit a 41-year high and housing.. well, so far this year, housing is up 16.5%. 2022 year-to-date median price growth is only 1% lower than we experienced during the first half of 2021.   With all this inventory, though, buyers and sellers “feel” like it shifted to a buyers' market. Get the full story in this episode of The Double Comma Club, "Inventory is double last year, but it is not enough."   Nicole Rueth, SVP The Rueth Team 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw Nicole Rueth (NMLS 239840) is licensed to practice on behalf of OneTrust Home Loans (NMLS 46375) in the states listed below. For full compliance verbiage, visit theruethteam.com/compliance/. AZ, CA, CO, FL, ID, IL, IN, KS, MI, MN, MS, MO, MT, NE, NM, NC, OK, OR, TN, TX, UT, VA, WA, WI, WY.  

Everybody's starting to look at the fact that more homes are now going are, are reducing their price before sale. I talked about this in the DMAR report that we just did last week in the video talking about the fact that those people that had to do a price reduction were on the market for an average of 28 days. That is a massively long time compared to what we've been feeling and how fast the market has been moving nationally. That number is up to 24% of homes are discounting their price before they sell. Historically, that number is at a third 33%. We are still well below normal. And when we get to normal, it won't even feel like normal because we've been so fast for so long. Keep everything in perspective. Yes. I know interest rates are high and yes, I know home prices are high, but appreciation will continue because demand is going to continue. Existing homes cannot fill all the gaps in the past. Somebody had sold a home and purchased a home. Now they're holding onto that home and they're converting into a rental. Now they're keeping it in the family and selling it to a family member with a gift of equity. They are maintaining the home or they're aging in place. They're taking that equity. They're pulling some of that equity out and they're converting that home into a rental property and buying the next primary home with the equity that they've pulled out of it. That's what we're seeing a lot of in this market. We need to see more turnover. Obviously, we're seeing a little more inventory. Fantastic. None of this means that we're going to head into a housing bubble. Interestingly, last week we had several economic indicators. We had the unemployment state flat at 3.6. We had ism manufacturing index came in stronger than expected. Yes, consumer confidence is down, but that's based on the price of everything. Real estate is the best hedge against inflation. We are not headed towards a housing bust, will the economy slow? I hope so will spend slow. I really hope so. Because consumer spending is 70% of the GDP. I hope all of those things happen. I hope appreciation slows down. Would it shock me if we had a 0% appreciation next year, a little bit, a little bit, but I wouldn't be upset about it because I know that the value of my home is holding and that it is a hedge against inflation, the cost of everything. And that rents Listen to this episode for the full summary of the impact.

Months of Inventory for May landed at 0.67% or 20 days.  A balanced market, when supply equals demand, is defined by 6 months of inventory.  Yet, on the street, real estate agents and buyers “feel” like we are headed towards a balanced market.  Close to List came in at 105.33% telling us buyers are still paying more than asking on average.  If you look at over $1 million dollar homes, those went for 107.12% close to list. And median days on market were still a hot 4 days.  Yet some listings had few to no showings their first weekend on market and the median closed price actually dropped 0.24%. 197 more homes sold and 631 more homes went under contract than last month, while 72 fewer homes came on the market to choose from.  Given these numbers it's obvious that the active listings count pulled on the last day of May, on a Tuesday, would jump 14% from last month and 76% from last year giving buyers 3,652 homes to choose from. Right?  Buyer demand as measured by the United States MBA Purchase Index dropped 12.3% during the month of May.  Mortgage purchase applications softened as interest rates hit an average of 5.62% for a 30-year fixed mortgage on May 7th per the Mortgage News Daily survey. Application numbers remained muted even while rates dropped 0.5% during the 2nd half of May. With all the graduations and holidays, did buyers not notice? Buyers and sellers alike are trying to figure out how to time this market.  A market in transition is sending mixed messages. Inventory is still painfully low.  Closing 5,445 units last month means we need 32,670 homes for sale for a balanced market, an unrealistic number given Denver's propensity for being a sellers-market.  I'd be thrilled with even the 10,527 average active listings we've seen in May from 2008 through 2022.  There is a third of that today. But rising inventory will be the tell-tale of an easing market.  And we would expect to see rising inventory given consumer inflation of 8.3% and mortgage rates above 5% should cool buyer demand. Mortgage rates are expected to stay above 5% through 2022 as the Federal Reserve kicks off quantitative tightening on the 1st of June and plans on raising the Fed Rate by 0.5% in June and again in July.  We will know more as the Fed releases their Dot Plot Map at their June meeting; giving us clues as to where they see the Fed Rate going for the rest of 2022 as well as 2023 and 2024.  Many economists expect rates to stay where they are or even go a little higher as inflation continues to prove less transitory and weighted more on longer-lasting wages, housing, and the geopolitical events happening around us. These higher borrowing rates on top of our 18.42% year-to-date higher median closed prices could and should yield us longer days on market, higher active inventory counts, and softer month-over-month price growth as buyers become more decerning and slower to pull the trigger.  Sellers will need to adjust their strategies to continue to attract more buyers.  8.3% of closed transactions this May reduced their asking price prior to receiving an offer.  This compares to 6.9% in May of 2021.  Those properties that reduced their price spent a painful average of 28.4 days in the MLS compared to 7 days for those with no price reductions.  Sellers with homes on busy streets, odd layouts, or deferred maintenance might have missed their winning opportunity.  But for the rest of the sellers, pricing right and staging well will continue to reap rewards given our current months of inventory and close-to-list. Because buyers are still buying and willing to pay a premium.  Despite consumer confidence dipping 2.2 points, retail sales are up 0.9% month-over-month and 8.2% year-over-year.  Luxury sales, travel, and housing are all winners in the eyes of today's buyers.  As the number one hedge against inflation, housing will continue to remain strong even as we move inches towards a balanced market.  Because while the wealthy are spending $195 million on Andy Warhol prints of Marilyn Monroe and $143 million for 1955 vintage Mercedes Benz as hedges, the rest of us can count on a good home continuing to grow at a good pace providing stability and financial security as our hedge against inflation. Until next time, that's a wrap for this month's Market Trends update. It's my pleasure to keep you updated, Nicole Rueth of The Rueth Team of Fairway Mortgage

 It's not Tuesday, but I've got news that I want to share. And I know I've got market trends tomorrow, but rates went down, and I need to know that, you know, that especially going into Memorial Day weekend, how much did they go down? Why did they go down? And are they going to go down further? I mean, that's the question, right? Because is this a new trend or is this just a blip? And it's really critical that we jump in because I know something's coming, we all feel it. And I'm going to be talking about this at tomorrow's Market Trends  Update. What are all the indicators that are pointing us clearly towards an economic slowdown? And that economic slowdown is more than likely going to come with a reduction in interest rates, which is going to give us an opportunity to refinance. But almost more importantly, it's going to spark more demand. The demand that right now is sitting on the fence, the demand that is going to get excited about in streets, dropping and get into the market still on limited supply, which is going to create another market frenzy in an increase in appreciation. So do you want to be a home buyer during that market frenzy or a homeowner? I want to own more like I want my, I want the market to raise the value of my properties, not me fighting for a property, having to put more into the offer. Because right now you can actually offer a list. Some homes you can offer at below-list. Some homes have been on the market for the last three months. That's what I want to talk about. This is going to be really specific, really quick, going into Memorial Day Weekend. I want you to know what's happening with interest rates. Of course, we still have tomorrow and I don't know what tomorrow brings until it comes. You tell me if your crystal ball's better than mine, but I wanted to talk to you about the fact that rates dropped. Now, they dropped a quarter. How big of a deal is that? I mean, rates have been going up for 10 consecutive weeks. We hadn't seen this since 1994 rates increasing this much in such a short period of time. So to have any relief to have a week when the rates went down is a blessing and we're going into a long three-day holiday weekend. So wait, rates went down about a quarter, and that quarter can save you about a hundred dollars a month. Is that a massive deal? It could move the needle, especially if you're right up against the edge of your eligibility. So locking in this weekend could get you just a little more house. So what's the inventory. What does that look like? But let's talk about these interest rates and whether or not we feel like they're going to go down or up for June, right? Cause what's, what's affecting interest rates right now. As I started this off, is this going to be a change in trend or is this going to be just a blip? And here's what I think. I think that interest rates are going to continue to be volatile through the point in time when the fed starts to pull their foot off the gas and takes a pause. Right? And that could be September-ish. In fact, one of the fed members actually said that they're thinking that they expect a 50 PIP increase at their next meeting in June. They're expecting five more increases this year with a possible pause in September. So we might start seeing things shift right about then, but until then, this is not a downward trend. This is an opportunity. This is a door that opened next week. We could see that they go back up, but that quarter, that a hundred dollars. I don't want you thinking that if you don't lock in this weekend, you've lost the opportunity because you can't time. The best time to buy is today. But can I take advantage of the dip? Of course you can, but here's where we're going. So the fed, I just talked about, we're expecting five more fed rate hikes. Those are going to impact slowing down the economy. We're going to see impacts on the 10-year treasury and on the 30-year fix because of that, they're also trying to control inflation and as inflation continues to be high, even if it comes down slightly, the core of inflation is wage-based and housing-based. And right now those two are not giving up easily. As long as inflation is high, that's going to put upward pressure on interest rates, but then you also have the geopolitical issues that are going on right now. When China opens back up again, what is that going to look like? Will we see another COVID uptick? And will they shut down again? Will the supply chain get crunched what's happening with Russia and Ukraine? Those geopolitical concerns raise the risk. They have an effect on the stock market. You have a risk-based move where people have a flight to safety. They want to move from the stock market to bonds. And when that happens, we actually see that while the stock market goes down, people move their money over to bonds. Those prices go up in bonds, which actually lets interest rates go down. So I have inflation. That's pushing interest rates up. I have geopolitical risks and concerns and the stock market risks that might put rate might push rates down. I have competing factors that are going to continue to create volatility, but those blips and that movement, I would expect to hover between 5, 5.25, and 5.5%. Now remember, we're locking in jumbo loans in the high fours right now, right? So this is an opportunity to take advantage of, but if we're volatile within this range until the point in time where the fed pauses, I want you to continue to watch for that. I'll continue to talk about that. Where's the fed going, because right now they have the most impact on rates. But did you recently sign a lease? Did you get out of the home buying experience because you don't have 50,000, a hundred thousand dollars over asking, do you not want to bid against five 10 people? Do you know that because of the higher interest rates, demand has slowed down, it has it slowed down. So this last week over week mortgage purchase application data showed that demand went down 1.2% week over week, last week, it went down 11% week over week. And in fact, out of the last, what is it out of the last 11 weeks nine have all been down, slowing down demand because rates have been higher. So that demand is slowing down. I don't know if I want to buy that second home anymore. I don't know if I want to buy that investment anymore. Now might not be the right time to purchase a home. I'm going to wait for the bubble. I'm going to wait for the recession. Going into Memorial day weekend rates dropped ever so slightly, but take advantage of it. Demand is down. I have real estate agents that are talking about the fact that they have homes that have no showings homes that have not gone under contract in one or two weekends. What does that mean for you? Opportunity to come in with an offer with an FHA, with a VA, with down payment assistance you can get in with no additional over list ask. That's brilliant. And I don't know if you knew that because demand is down at the same time. Supply is up. So active inventory was up in the past DMAR market trends report showing April data. It was up 44% month over month. Now that was active inventory and that's a little bit dated at this point next week, we're going to get made data super excited about that. But if I look nationwide week over week, we just saw 8% growth in inventory. Now, this is not going to be a continued spike in inventory in the sense that we are in the season, where more inventory comes online. This just so happens to be colliding at the same time. These rising interest rates slowing demand a little bit allowing first-time homebuyers to get in. Plus a seasonal increase in supply is giving us opportunities to not have to go over asking you to add onto that. What the roof team advantage is all about. You add to that, the fact that we're doing the TBD underwrites with eight to 10-day closings, and we're waiving loan availability. We're running automated underwriting to see if we can waive the appraisal. We're giving you a refinance certificate to give you money off of your refinance. Next year, when the rates go down, when we hit a recession and now we're partnering with agents doing a lease buyout program, and this is why it's not because I need to have a sale to get more deals in the door. I so believe in homeownership. I so believe in this is the opportunity for the 80% of Americans to gain wealth, to gain stability. And you've been shut out this whole year because rates have screamed up so fast. It's freaking everybody out. We have such a lack of inventory. When I say that inventory is up 44%. I mean that is a number that's 3,200 homes for sale, 3,200 homes for sale. I mean we have over 3 million people in the Denver market, and 3,200 homes for sale. That number is big because the actual unit count is low. Our inventory is still low. This 5% interest rate is still historically strong. So when you have a window of opportunity and you don't know about it, I'm not doing my job because this is a time that you can get in. This is the way did you know that just last week we saw record sales on art and cars. I mean a 1911 Mercedes just sold for the highest price car ever sold the rich know something. They know that they need a hedge against inflation. That inflation wall might come down is not going to go away for a period of time they need to make sure that their money is making them money. They're pulling it out of the stock market and volatile investments and putting it into solid investments like our, uh, art and classic cars. What do they know that you need to know? You need to know that you need a hedge against inflation and for the 80% of Americans, it's real estate, it's real estate. That gives you the opportunity to do that. And this is the way and with our routine advantage, the lease buyout, because if you gave up six months ago and I get it, I get it. But how do I get you back in? How do I share with you the power of real estate? The opportunity to allow appreciation to drive up your wealth, the opportunity for principal reduction to pay your own mortgage. Not somebody else's because when you are paying rent, you're paying a 100% interest rate. I stole that from Jeremy Kane, when you're paying rent, your interest rate is 100%. None of that is making any money for you. So if you lock in at today's yes,  but historically low-interest rates, you're making your money work for you. Take advantage of these. This is your weekend. This is your time we want to go to work for you. Give us a call right now, The Ruth Team, Nicole Ruth, it would be my pleasure to serve you guys have a great rest of your day. If you're an agent, catch us tomorrow with Megan hour on our market trends, update, talk to you then.  

Slowed Appreciation DOES NOT Mean Loss of Value! CoreLogic expects a 5.9% appreciation over the next 12 months. Denver is always hotter and CoreLogic is super conservative! That means on a median price home, conservatively, you will gain another $37,000 in equity AND get to refinance with our new Refinance Guarantee! What will housing look like in a recession? A recession will be good for housing. Recessions usually bring lower interest rates which will bring on strong demand. Strong demand on top of birth rates 30-33 years ago and high liquidity brought on by the Fed. Lower interest rates when supply is challenged by "interest rate lock", aging in place, investor buyers, and builder backlog. Headlines want you to be worried. I want you to jump in. From my seat, the sooner you get in before a recession comes, the more opportunity for equity growth, when demand spikes and home prices rise. Want to know what you can do? Let's talk! Here's some of the math we cover in this episode.  As of April 2022, the median closing price in DMAR is $624,950 This means the loan is $499,060 at 5.5% with a 20% down: $2839/month principal and interest payment. ----------------- $661,822 if it appreciates as CoreLogic predicts at 5.9%, putting 20% down. The loan is $529,457 with 20% down at 5.9% interest rates. $3006/month principal and interest. Costs more to wait if interest rates don't go down. What if they do and you can refi and get that $1000 credit from us that we talk about in this episode? Suppose it goes down to 4%, the payment drops to $2,528 - the home price has been locked in and it will continue to grow in appreciation. You kept the $37,000 or so and get a lower payment.   Listen to find out more.

A recession is exactly what we need right now. And it's good for housing. So what am I talking about? The two in tenure treasury yield had a small 0.05 spread as March ended. This is on the verge of inverting, which is a high validity recession indicator of five of the last six recessions that were all proceeded by an inversion. However, today we also have incredibly strong labor market. The unemployment number just came out at 3.6%, which is a post-pandemic low. In fact, unemployment has only been lower than 3.6%, three times since 1950 non-farm payroll saw robust 431,000 jobs added, which is alongside 11.3 million job. If you remember an inventory in 2018, when rates pushed above 5%, 1,827, new listings came on the market during March that's a 44% month of a month increase, but more than half of those new listings were scooped up as pendings increased by 1039 and closed homes increased by 941. While more inventory might give buyers a little more breathing room, they are not giving up with more inventory. We have more sales. This additional inventory is partially due to seasonality. I mean, some of it is investors taking their winnings off the table and others are looking at this intense demand and talks of a bubble and wanting to play the timing game. I think as prices rise, high prices are a bit of a cure for high prices. The appreciation much like inflation will slow down, but talks of a bubble assume high prices themselves are the tipping point and they aren't homeownership, equity of 69.2%, a vacancy rate of 1.6% and a high birth rate. 30 to 33 years ago, all starve off the bubble talks 75,000 annual equity gain for an average Colorado. In addition to a 0.01% Colorado foreclosure rate, and a 1.9% 30 day rate tells me that struggling homeowners don't have to sell at a discount just at market,

Denver appreciated 19.1% over the last year alone. 60% of all homes are selling over asking prices. The Denver Real Estate Market came in strong and fast in 2022. That fact, coupled with Russia's global actions is going to have an impact on our housing market more than just the liquidity we see circulating. It will continue to put upward pressure on a rising inflationary market, increasing the cost of everything. 2022 housing buzz words will include terms like global impact, market velocity, inventory shortage, shifting interest rates, insatiable buyer demand, rising inflation, and affordability. So, what are mortgage rates doing and where do we go from here?

Har du fått hem en valp och tänker resa med den när sommaren kommer? Tiden går fort och många har säkert redan börjat boka upp sommaren. Här är mina 10 tips till dig som vill resa med hund. Allt från transport och boende till hälso bekymmer. Vill du få notiser om nya avsnitt? Klicka på den lilla klocka ikonen så får du en notis när jag publicerar nytt avsnitt. Om du gillar vad jag pratar om prenumerera på min podd. Skriv gärna en recension om podden i din podcast app, det möjliggör för förbättringar. Kom i kontakt med mig via min hemsida www.valpkonsulten.com och på https://www.instagram.com/valpkonsulten/ eller https://www.facebook.com/valpkonsultpodden. Gilla, följ och kommentera. Jag blir glad om du DMar mig frågor och förslag på nya teman av podden. Transcript: 00:00 Intro 01:14 Flyga eller bila, en fundering om chemiska preparat till hund under flygresan. 03:13 Jag ställer mig frågan: Hur skulle det kännas för mig att lämnas ensam och påverkad av en drog? Vad är paradoxal reaktion? 04:07 Många flygbolag tillåter hundar under 8 kg inklusive transportlåda att vara i kabinen. 05:57 Jag har bilat genom Europa med hundar. 07:20 Regler för resan i europa 08:42 Boende med hund 10:13 Att göra innan rasan 12:25 Mer avslappnad med hund utomlands 13:33 Kanske håller det på vänder här i Sverige 15:55 Outro

Interest rates have been on a downward trend since 1981 when the 30-year fixed rate hit 18.5%.  Just three years ago they were almost 5%. Now, news cycles are headlining rates jumping from 2.625 to 3.25% in 2021 and climbing from 3.25 to 3.5% in 2022. If you bought your first home in the 80's, 90's, or even 2000's, you're laughing out loud when the words “jumped” and “climbing” are used with rates in the low 3's. The low rates in 2020 and 2021 both propelled and offset the insanity which was extreme housing demand with a limited supply.  I don't have to remind you of what happened, but it does beg the question… Where do we go from here?

Comparatives are funny because they can tell any story you want. The market is slowing down? The market is still nuts! The idea real estate is hyper-local is at its epitome in times like these. Nicole dives into the Denver Metro local numbers and a bit about the economy but let's start with a story because perspective is everything. "One of our clients this past weekend put in an offer and the listing agent and friend, Maura Putnik, called me and shared the seller side experience. Her $890,000 listing had 80 showings, 18 potential offers Six of those retreated when they heard where the price was headed, 12 written offers of which a few improved their offer, to have that one get the deal. In addition, four agents offered to submit a backup." ----more---- If that's slowing down, now I know why we are all exhausted. DMAR's November Market Trends Report shows buyers deciding to fight the good fight regardless of rates going up. Active listings dropped back to 3,376, partially due to 13.28% fewer sellers (new listings) and 7.42% more buyers (under contract) than last month. Buyers today have 782 more homes to choose from compared to the hot Spring market, can take an extra day to view the home, and will pay almost 3% less over asking than they did in the Spring. However, compared to last Fall, this market is on fire! We have nearly 1,500 fewer homes to choose from, yet we put the same number under contract for 1.5% more in almost half the time. So, Let's Talk Rates. Are They Going Up? Or Down? The Federal Open Market Committee's November meeting is happening as we go to print with this month's Market Trends report. They are expected to announce the much-awaited tapering of $120 billion per month in agency mortgage-backed securities and Treasuries purchases. Powell will undoubtedly emphasize flexibility in his public remarks after the November meeting as the committee is likely to split on what actions to take. However, Fannie Mae, NAHB, NAR, and the MBA are sticking to their forecasts estimating 30-year mortgage rates hit 3.5 to 4% in 2022. Home prices continue to increase, yet so do rents and the alternatives facing our first-time homebuyers today. And with the potential of rising rates, NOW is the time to jump in.

The second half of May seemed to open up a bit. But, sorry, it was a false peak. Less inventory came on the market and more buyers went out looking for it. Inventory was down 6% from last month, and down 14% from last year inventory. 6718 homes went under contract, which was up 17% last month, and up 3% from last year. Active listings dropped last month. In fact, there was a 20% drop and inventory fell below 2000 homes for sale the second time this year. Listings are spending and average of four days on market. You have to be ready to pounce, offer 30K over asking, without any contingences and ready to close in 2 weeks. 26% higher close - higher end homes. 23% higher close -medium priced homes. $700,000 average closed price detached. We are nowhere near the peak. Same with rates. Rates turned up mid-month. Inflation jumped 4.2% - the highest in 13 years. Core inflation jumped to 3%. This was the highest monthly gain - EVER. Get the rest of the insights by listening to this 9 minute episode. More false peaks are expected.

While the economy roars back to life, real estate continues to be judged. DMAR tells us that 2594 for sale - a lower than low figure. The previous low was 2015 with around 2400. Listen in for this recap. The months of inventory is currently  .51 months for detached homes, and detached inventory is currently at .46 months. Detached homes' median price is $585,000 in 11 counties, whereas attached are at a $376,660 median in 11 counties. With a substantial equity cushion, the Denver Metro area has been able to avoid the dreaded and predicted bubble. 2.5% of area homeowners have less than 10% equity, and 1.5% in the same region have negative equity. Builders have customers, but because lumber prices up 25%, steel up 160%, sheet goods up 400%, this has put a crimp in their ability to build homes ahead of inventory demands.

Yo! This week  hung out with rapper/producer Ghostie8k. My friend Dmar from Ep 34 brought in Ghostie for a hang and a sesh and I'm glad he did. We talked about his start in music, anime, podcasts he likes, and our times at Warped Tour. Follow @ghostie8k on all platforms for updates on his music and his merch. Also be sure to follow me on IG @issa_monday & @mondaysaredopepod for daily chuckles and updates on all things Monday. And if you haven't checked out my OnlyFans yet, go to www.patreon.com/DamonMonday and lets party babyyyy! 

Let's start with strong demographics. 33% of home buyers today and for the next decade are first time home buyers with nothing to sell, taking from an already stressed market with nothing to give in return. At the other end of the spectrum baby boomers are delaying their downsizing, moving into assisted living nursing homes, or in with family due to their heightened pandemic risk, holding onto those homes younger families need. For new builders NAHB noted lumber continues to spike up with futures up another 35% on top of the already high 170% rise we saw over the last 10 months. ----more---- There was enough inventory to break records in sales. I mean 62,985 homes in DMAR's 11 County area sold in 2020 for another record breaking year. And another 3,641 sold in February, up 13.43% month over month and 3.7% year over year. It's a days on market issue, not solely an inventory one. Homes are coming on and selling faster than you can sell chips at an edibles convention.

It's Monday once again! Today I hung out with rapper Dmar (Dee-Mar) and we talked about his new song Bent that comes out this week. Me and Dmar also went to school together, so it was fun to catch up and sesh. Be sure to follow him on IG @yungdmar and @theroseboys . As per usual follow me too! @issa_monday and @mondaysaredopepod . And before you go, be sure to check out my OnlyFans page, where Thursdays Are Dope will be moving to exclusively at www.patreon.com/DamonMonday

DMAR's December Market Trends Report was released this morning and provided numbers supporting what we already knew. Demand is strong! Inventory hit an all-time low of 3415 active listings at month-end. Compare this to the average active listings for November month-end of over 14,000 and a happier place of 6,000 units.  Sellers are exceeding the typical seasonal holiday slowdown of decreased supply. The added fears of job security, prospective buyers entering their homes, and finding a replacement home are adding to their resistance to sell. Potential Sellers are also starting to face what will become more widespread, something called rate lock where the appeal of staying in their current home with a lower rate and monthly payment will outweigh their desire to move. We will continue to see tenure increase from its current average of 10 years as well as homeowners holding onto their primary homes with low-interest rates and choose to convert them into rental properties.

November's DMAR report highlighting October data reflects just how important the home has become by producing nearly as many records as we saw in last month's report. Now is not the time to sit on the sidelines in fear that the bubble will burst; it is the time to stay engaged. Finding the right home might be challenging, but waiting will only cost you more. ----more---- Nicole Rueth The Rueth Team of Fairway Independent Mortgage Corporation 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-... YouTube Channel: https://www.youtube.com/channel/UCPMd...

Nicole gives us a chance to meet the new CEO of DMAR, Nobu Hata. Nobu tells us the plans for membership support and value-added benefits. Nicole asks him some questions that you will want to hear the answers to, even if you are not in the DMAR Sphere. His perspective includes what he learned working at NAR. ----more---- Working with the Realtors, your wife, and those in your community, do you think it changed your perspective and how you expected to enter DMARs community? Or do you think you're right in alignment with where you were when you left NAR? What is your primary focus,  and how do you want to change DMA to support the membership or the experience that your DMAR community is facing today? Talk a little bit about your vision in the space of services and content that will benefit and support members. What's going to be the next disruptive company? Suppose you're meeting a newer agent who's considering entering the association, what advice would you give that agent?

This week we spent time with Mike Papantonakis, newly inaugurated DMAR Market Chair and agent with Re/Max Alliance. He is one of the new leaders of DMAR but leadership isn't new to Mike. Together we explore how his experience gives him the strength he needs to lead DMAR's Board as well as champion his clients. He reminds us that when we question the value of professional memberships, we have to remember to also ask, "What did I put into that membership? How did I participate? You only get out what you put in. "We can not continue to do business the way we do business today. We're always going to have to be looking for a better way and a new way to do things." - Mike Papantonakis ----more----   Nicole Rueth The Rueth Team of Fairway Independent Mortgage Corporation 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-... YouTube Channel: https://www.youtube.com/channel/UCPMd...

Real estate has not only taken a position of favor because it's now where we are spending most of our time, but it's also giving homeowners stability in a shifting market.  What keeps me up at night?  The stock market.  As CNN's Fear & Greed Index moves further into Greed and Citigroup's Panic/Euphoria Index points towards extreme Euphoria; both point to lower stock prices within a year.  The recent news of COVID deaths breaking 155,000; COVID cases doubling in July; jobless numbers and continuing claims both breaking trend and increasing; and Yelp's business tracker showing another 15,742 businesses closed permanently in July alone all point to a long recovery. Real estate, however, continues to show strength with a sneak peek into next month as pending home sales in July another big number of 7,122, 27.47 percent higher than last year.  ----more---- Home is a safe place, one which should provide joy, safety, and stability.  As the world around us is in a trying time; real estate continues to be the silver lining for those who can win the bid.  Jobless claims and COVID cases are up and businesses are closed. Demographics and rates continue to push demand, while the uncertainty of jobs and schools weigh heavily on sellers. Builders are rushing to make up what existing homes are not and all of this could change if the stock market turns.  Here's what I see going on in the market. Let's start with the sellers. They aren't moving. Inventory continues to strain the market with 6,449 active listings at month-end, 31.1% below last July. The uncertainty of the job market, the inability to find a replacement home, and the now the stress of homeschooling have sellers thinking twice. Meanwhile, builder confidence rallied in July to meet the suburban moving demand with smaller homes void of shared spaces. Denver saw New Home Pending Sales up 17.9% in June and 22.9% over last year. Meanwhile, the buyers are clamoring for homes that are priced right and staged well, with 31% of detached homes selling for over asking and average days on market dropping 7.7% year over year and median dropping 36.4%. And not only is the demand hot for lower-priced homes as first-time homebuyers, downsizers, and investors push the close to list price for homes between $300,000 and $500,000 to 100.6%; homes over a million also gained favor in July. Are people finding well-being today in luxury homes?  55% more million dollar plus homes sold than last year driving the average closed price for single-family detached above $601,863. That's almost 10 percent higher than July last year when it seemed the McMansion had all but lost favor.  Speaking of McMansions, what were the two highest-priced homes sold in July?  A $7-million-dollar home in Boulder and a $5.985-million-dollar home in Cherry Hills, of course.   Nicole Rueth The Rueth Team of Fairway Independent Mortgage Corporation 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/  Twitter: https://twitter.com/nicolerueth  Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/  YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw 

We have Steve Danyliw, who I am honored to have as long as I've known him, which hasn't been long enough. He has been if you will, the man behind the curtain of DMAR's Market Trends report. He is a data geek, which speaks to my heart. He started the market trends report back with Gary Bauer in 2012. He's been in the industry pretty much since birth since his second-generation realtor, but officially he's been in 18 years, so he's seen the cycles. He's seen the seasons, and this season is unlike anything else. So I wanted to ask Steve, especially this week when the market trends report just came out. Steve, what are you seeing this month? ----more---- Steve: Maybe that not surprised you, but numbers different than where we usually go this time of year. Definitely this time of year, the market starts accelerating. The seasonality of the Denver metro market is that we typically hit the bottom in December and January. Then it's a quick acceleration up to June where we typically peak. Then it's a slow decline all the way back to December and in January. We just didn't see this covert housing market has just pretty much taken the air out of the balloon. When it comes to that spring surge of the housing market and normal seasonal increases that we expect to this time of the year just have not happened. And the question then becomes, is this a short term situation? Steve: It is short term, but the impact and the ability to recover, how long is that going to really take. There really is no easy answer because we're in uncharted waters and there is no way to go back and say, oh, this is like the financial collapse in '08, and so this is what we can expect to happen. There is this percentage of distressed sales, and we had short sales and foreclosures and, 2010 – 35% of what we sold in certain months were properties that were in some sort of financial distress. Right now, we're at about 0.1%. So we're still healthy and in those regards. But this time of the year we should be seeing seasonal increases. We would normally see new listings increased 5% this time of year from March to April. And we saw it drop by almost 30%. So there was a lot of red in this report. Is it scary? Not necessarily. It's not scary. We're not falling off a cliff. This was all kind of expected. You can't shut down an economy and not see these types of numbers happen.   So you'd expect this to continue into the May report as well, or the May data in the June report? Steve: Generally, there are certain things, traditionally when a property goes under contract, it's 30 to 45 days to closing. And so you could always potentially look at the pendings or under contracts in a given month to kind of predict what the following month is going to be like. Your pendings are going to turn into [closings], hopefully. They give you a good barometer of closings the following month. Historically, we should see about a 5% increase month over month in properties going under contract. This is part of that increase in the spring moving into the summer, and we dropped by about 30%. We had 30% fewer. so when you talk about what we see normally see seasonality plus the additional 30%. What it really means is that closings are also next month or the end of this month. The closings, they're going to be probably significantly down once again. Is it going to be in the 30% to 40% range off the pace from the same month last year? Probably to be conservative is probably going to be in that area could we be even a potentially little higher? It's possible. Listen to the rest of this episode to hear more of Steve's insights for the coming two quarters. Nicole Rueth The Rueth Team of Fairway Independent Mortgage Corporation 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw 

  Let's kick off this episode's theme with a quote from Andy Andrews, author of, Bottom of the Pool.  "You have the power to choose every moment of every day, what YOU do with your time is entirely up to you.  You can invest it wisely or waste it foolishly.  By choosing how to invest your time, it follows that you are also choosing what you learn, how much you learn, how deeply you understand what you've learned, what your imagination makes of it——and in what fashion you act upon whatever that might be." ----more---- Somewhere along the line, the decisions that were made by the government in their haste to solve the consumer need, we got broken along the way. When they solved one problem, what happened is we had three to four new problems that surfaced. The very first problem was all the money that the federal reserve was pushing out in the market buying mortgage-backed securities. They were creating inequality of supply and demand and they were flooding the market with money. Now that money was creating instability and now we have ups and downs, this 2.5% coupon is just the 30-year coupon that we watched similarly to the 10-year treasury. So forget about the specific bond that I'm tracking, but this is the one that we track when we associate what is our 30 year fixed loans doing, our mortgage loans. So you'd have ups and downs, but within each day, you had very little volatility. Then the fed started pushing out all this money and every single day was a massive swing. Think of a property manager. Property managers don't own assets and they don't have savings accounts specific to that property. They're managing your property. So that rent check comes in every month from that, they take their cut, their 10%, they pay all the bills for any maintenance that needed to happen that week or that month. They might take care of any other expenses and then they cut you a net check. So they don't have a massive piggy bank to take care of what happens if the rents don't still come in, but I'm still required to pay my owners. It doesn't work that way. FHA said, "You know what? We're just going to wait and see." Meanwhile, Treasury Secretary Mnuchin is saying, "No, we need the stability of the mortgage market to create stability in the real estate market. It was stable coming in. We needed to be stable going out and this is how we do it." He's leaning in on FHA to make that happen and he's reassuring that it will happen. Now the treasury doesn't have the ability to do it on their own, but he's certainly behind it. So is Federal Chair Powell. Powell Absolutely gets it, he sees it. And interestingly enough, Mnuchin and Powell have become allies in all of this and they're going against the FHA director, Mark Calabria. Housing is going to get worse before it gets better, but it is going to get better. And it's a timing thing. Remember we didn't start this until mid-March. We're only now in mid-April. It feels like forever. It feels like forever because we're trapped in our homes. But when it comes to financial positioning, we don't quite know where it is yet. Because remember all of the statistics for March were only half right. And now April is not over yet. So what does April's number's going to look like? But it is going to get worse before it gets better. But it will be much better when we come out of this. One of the things that I know is true is because the housing market was so strong coming into it right up until March, the pending home sales were still strong. They still had people that we're buying. I mean, we had a phenomenal January, February, and March. Even April is off the charts and it's because everybody that we had in the pipeline, what's May to look like? But we came into this very strong. Inventory was our problem. Any of the numbers that were weak, sales numbers that were weaker than they should have been was because of inventory. But January and February were phenomenal. We had a 6.25% growth in median sales price just in January and February alone. Again, because of the lack of supply, but the demand was off the charts. Remember that yes, manufacturing was down, but consumer spending was like phenomenal and consumer spending is 70% of the GDP. People's wages were up, spending was up, savings were up, they were feeling good. Colorado was the number two wage growth. We had consistent job growth week over week, and we had a really strong mortgage and financial environment as well. So if there was a time, and that's the silver lining I'm hanging on to, it's the time that we came into this being strong, we're going to come out of it strong. In this episode of the DoubleCommaClub, Nicole asks you, "Are you binging, or are you building?" She covers the DMAR market for the month with a detailed dive into the status of lenders, including nonbanks, unemployment immediate and longer-term effect on demand, and whether you should be guiding your borrowers to take action now.  Listen to this full episode to get all of Nicole's insights and results from her research for the week. Nicole Rueth The Rueth Team of Fairway Independent Mortgage Corporation 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw  

DMAR's April Market Trends Report highlights the strength of the overall housing and economic market going into what will be known as one of the most surreal experiences you and I have – and, likely, will ever have - in our lifetimes. Let me first acknowledge the human tragedy of COVID-19. To those who lost loved ones, jobs, financial stability, and so much more; I hope you find the strength to help us all move past this dark chapter in history. As optimistic I am about the future long-term future of our economy, the significant downturn and its effects will be felt throughout every industry throughout the short-term. The effects will be felt for the long-term in some industries, but I stand convinced the economy will race to normalcy once COVID-19 withdraws and we fully reopen the economy from social isolation. ----more---- Read the rest of the blog at https://theruethteam.com/Market-Trends Your partner in building wealth through Real Estate, Nicole Rueth, SVP The Rueth Team 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw Nicole Rueth (NMLS 239840) is licensed to practice on behalf of OneTrust Home Loans (NMLS 46375) in the states listed below. For full compliance verbiage, visit theruethteam.com/compliance/. AZ, CA, CO, FL, ID, IL, IN, KS, MI, MN, MS, MO, MT, NE, NM, NC, OK, OR, TN, TX, UT, VA, WA, WI, WY.    

On this episode drummer,percussionist and music educator Derrick Martin (AKA. DMAR)shares his unique approach to music and life experiences. Follow Derrick Martin on all social media platforms at: @d1971mar Also, share and leave a review!

En EfectiVida hablamos de cómo ser efectivos en el día a día, sin olvidar las cosas importantes de la vida. Y para eso, hace falta pensar, reflexionar, pero también aprender de los mejores. Hoy tenemos a un crack de la efectividad, que viene acompañado de su mono loco. Su nombre es Jesús Bédmar. En este podcast encontrarás reflexiones sobre frases, sentencias, cuentos, entrevistas y todo aquello que pueda estar relacionado de alguna manera con la eficiencia, eficacia y la EFECTIVIDAD. Siempre, por supuesto, sin olvidar las cosas importantes de la vida. Si quieres ver más contenidos como éste, te invito a pasarte por mi casa: https://efectivida.es/. Allí tienes artículos más extensos sobre técnicas de efectividad. También encontrarás la fórmula de la efectividad, para saber si estás siendo realmente efectivo. Además, en https://efectivida.es/podcast/ tienes los episodios del podcast en primicia, con las notas del programa completas, y contenidos en exclusiva. Si tienes alguna sugerencia, comentario, duda o quieres que dedique algún capítulo a cierto tema, no dudes en enviarme un mensaje desde el formulario de contacto en https://efectivida.es/contactar/. Con gusto te responderé lo antes posible. Hasta la próxima. Mientras tanto… ¡que lo pases muy bien!

En EfectiVida hablamos de cómo ser efectivos en el día a día, sin olvidar las cosas importantes de la vida. Y para eso, hace falta pensar, reflexionar, pero también aprender de los mejores. Hoy tenemos a un crack de la efectividad, que viene acompañado de su mono loco. Su nombre es Jesús Bédmar. En este podcast encontrarás reflexiones sobre frases, sentencias, cuentos, entrevistas y todo aquello que pueda estar relacionado de alguna manera con la eficiencia, eficacia y la EFECTIVIDAD. Siempre, por supuesto, sin olvidar las cosas importantes de la vida. Si quieres ver más contenidos como éste, te invito a pasarte por mi casa: https://efectivida.es/. Allí tienes artículos más extensos sobre técnicas de efectividad. También encontrarás la fórmula de la efectividad, para saber si estás siendo realmente efectivo. Además, en https://efectivida.es/podcast/ tienes los episodios del podcast en primicia, con las notas del programa completas, y contenidos en exclusiva. Si tienes alguna sugerencia, comentario, duda o quieres que dedique algún capítulo a cierto tema, no dudes en enviarme un mensaje desde el formulario de contacto en https://efectivida.es/contactar/. Con gusto te responderé lo antes posible. Hasta la próxima. Mientras tanto… ¡que lo pases muy bien!

On this episode of the Pursuing Freedom Podcast, we’re joined by Heather Heuer, current Chairwoman of the Denver Metro Association of Realtors, and President and Employing Broker of Porchlight Real Estate in Colorado. Heather and I discuss a range of topics, including business development, leadership and general professionalism in the real estate business. Heather’s passion for excellence shines through, as she shares her wealth of knowledge and experience. It was a true honor to have her on the show…and I’m sure you’ll leave just as inspired as I did! Enjoy! And remember, if you like what you’re learning here, please subscribe and leave us a review. It helps us continue to attract great guests!!

MagnusGamer255, Jordin and DMar review and discuss the recent Spider-Man game for PS4. Intro theme by Juaquin Combs. Quiplash theme by Andy Poland. Features theme track from Marvel's Spider-Man. PGTR Pro Gaming Talk Radio

MagnusGamer255, Jordin, Wakingwithamask and DMar discuss some recent and upcoming game releases. Intro theme by Juaquin Combs. Quiplash theme by Andy Poland. Features additional royalty-free music provided by Heroboard: Simplicity by A-GON, Despite All Odds by K-E-Z (Featuring AstraeusMusic), Before the Morning by AEROHEAD, Tempestuosity by BEij, Krystal Waves by Anozira, RTIK - Alone With You (feat. Intermission), .no reason - Dreaming Awake, Apex by Shuhandz and High Flown, and Mount Olympus by Approaching Nirvana. PGTR Pro Gaming Talk Radio

MagnusGamer255, Jordin and DMar discuss the Nintendo Switch and its pros and cons. Intro theme by Juaquin Combs. Quiplash theme by Andy Poland. Features additional royalty-free music provided by Heroboard: Simplicity by A-GON, Despite All Odds by K-E-Z (Featuring AstraeusMusic), Before the Morning by AEROHEAD, Tempestuosity by BEij, Krystal Waves by Anozira, RTIK - Alone With You (feat. Intermission), .no reason - Dreaming Awake, Apex by Shuhandz and High Flown, and Mount Olympus by Approaching Nirvana. PGTR Pro Gaming Talk Radio

MagnusGamer255, Jordin and DMar discuss disappointing games that had promising development periods. Intro theme by Juaquin Combs. Quiplash theme by Andy Poland. Features additional royalty-free music provided by Heroboard: Simplicity by A-GON, Despite All Odds by K-E-Z (Featuring AstraeusMusic), Before the Morning by AEROHEAD, Tempestuosity by BEij, Krystal Waves by Anozira, RTIK - Alone With You (feat. Intermission), .no reason - Dreaming Awake, Apex by Shuhandz and High Flown, and Mount Olympus by Approaching Nirvana. PGTR Pro Gaming Talk Radio

MagnusGamer255, Jordin, Wakingwithamask and DMar discuss the evolution of gaming. Intro theme by Juaquin Combs. Quiplash theme by Andy Poland. All other music royalty free. PGTR Pro Gaming Talk Radio

An introduction to Pro Gaming Talk Radio. Featuring host MagnusGamer255, Jordin, Wakingwithamask and DMar. Intro theme by Juaquin Combs. All other music royalty free. PGTR Pro Gaming Talk Radio

05.08.2015 Dmar góðvinur Hausa tók gestamix, Bjarni Ben fór yfir top tunes í júlí og tók svo mix. - Top Tunes Júlí 2015 - Ulterior Motive - Music City Jamie Lidell - Believe in Me (Klax Refix) Alix Perez & EPROM - The Serpent Hypoxia - Stockholm Syndrome Zero Method - Analog - Hausar - Like → bit.ly/HausarFacebook Follow → bit.ly/HausarTwitter Soundcloud → bit.ly/HausarSoundcloud Website → bit.ly/HausarWebsite - FM Xtra - Like → bit.ly/FMXtraFacebook Follow → bit.ly/FMXtraTwitter Soundcloud → bit.ly/FMXtraSoundcloud Website → bit.ly/FMXtraWebsite

Mon, 28 Jan 2013 12:00:00 +0100 https://edoc.ub.uni-muenchen.de/17393/ https://edoc.ub.uni-muenchen.de/17393/1/Lamminger_Navina_Ayline.pdf Lamminger, Navina ddc:890, ddc:80