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Rising Mortgage Rates Trigger A Housing Market Crash: Prepare Your Self For The Worst! erick rendoza 56 Views • 4 years ago

Housing prices all across the country have surged at the fastest pace since 2014, but wages haven't keep up with that growth, and all of these determinants are affecting people's ability to buy new homes. The housing bubble has become so unsustainable that demand is already significantly collapsing and further increases in interest rates could push the entire market to the brink of housing market collapse just as well. That's what we're going to analyze in this video.
Last week, mortgage interest rates have unexpectedly soared, throwing cold water on already cooling demand. Consequently, the total mortgage application rate has flat-lined, increasing by just 0,5%, according to the Mortgage Bankers Association’s seasonally adjusted index. The median contract interest rate for 30-year fixed-rate mortgages with conforming loan balances registered a significant hike, having increased to 3.23% from 3.08%.
The latest housing rally has been fueled by several different factors, in addition to historically low mortgage rates, there was an unprecedented demand for suburban homes as city-dwellers fled urban centers to escape the harsh effects of the health crisis and mounting social turbulence. But low inventory has sent prices to sky-highs and formed a splendid price bubble that never ceased to grow.
However, rising borrowing costs could not only jeopardize the rally but also burst the housing price bubble and push the entire housing market to a secular correction. Higher rates are also bad news for lenders who have managed to collect huge gains ever since we entered a low rate environment at the beginning of the recession last year.
These developments outline that the Fed's attempt to offset the devastating impact the health crisis caused to the economy by lowering rates and pumping trillions of dollars into the markets in order to create an artificial "wealth effect", has not only enabled the formation of a massive housing bubble, as it could suddenly pop it due to the unsustainability of its policies. That's why investors and bondholders are already running for the exits not to see their gains irreversibly wiped out in face of an imminent crash. Moreover, in the process of artificially fueling the bubble, policymakers have ended up worsening wealth inequality and housing affordability issues.
The spring housing market is on track to become the leanest, most expensive, and most competitive ever. As the supply gets tighter and tighter, home prices soar even higher, and increasingly fewer Americans can afford to have a home of their own. In January alone, prices increased more than 10% year over year, according to CoreLogic. But wages are not keeping up with the rising costs of housing.
According to a 2020 report from the National Low Income Housing Coalition, workers need to make $21.10 an hour just to afford a market-rate 2-bedroom rental. The massive gap between wages and housing prices is the reason why millions of families are evicted every year, ending up in shelters or on the streets and oftentimes being pushed to a poverty spiral that is incredibly hard to recover from.
People in middle and lower-income segments being are increasingly priced out of the market for homeownership. And the situation will likely get worse, as legislators are considering a number of bills this session that will significantly increase the cost of new homes. With the passing of a new fiscal relief package, although payments may help to ease the economic struggles of renters and landlords in the short-term, it also means our money supply will increase by $1.9 trillion dollars.
As soon as the economy reopens and consumer spending resumes to pre-lockdown levels, we will see a major spike in inflation, which is the most frequently mentioned trigger to the burst of the current asset bubbles. In that way, a dramatic housing market crash is now more imminent than ever, and that will cause enormous financial pain to homeowners as they see the value of their properties sharply collapsing. As our leaders and policymakers seem to remain unbothered in face of so many warnings, eventually, we will all be witnessing an astronomical explosion occur across financial markets. Needless to say, we will be the ones paying the price for this tragic housing crisis made by design.

Stagflation

Why Women Censor Men? - MGTOW Sandman 344 Views • 4 years ago

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Hi Everyone Sandman Here,

This video is brought to you by a donation from Brendan and here's what he has to say: "Hey Sandman, I wanted to discuss my personal life, redpill journey and the scrutiny I have faced from my peers. But I won't bore you. Instead I want to share something absolutely absurd and crazy that happened to me as an audience member on Youtube. I was banned for "repeated abusive comments that violated their hate speech policy" as the YT support team put it. My account went poof. I was told that if I tried to make other accounts those would go poof too! My only account video was a narration of me talking over lil baby goats fighting. But banning me for my comments? I almost never had a swear word and was consistently on redpill channels. I followed and consistently commented on you, Better Bachelor, Donovan Sharpes, Coach Greg Adams, and Terrence Popps video's. How truly far of a stretch is it to say that my "hate speech" is redpilled truths regarding women? I know I would drop redpills in reddit video's regarding stories of cheating and disloyalty to men. Anything non MGTOW or redpill related such as food channels I kept very clean and peaceful. I think that Youtube is scared they may lose their protections in the U.S. in regards to section 230? I believe? The one that does not hold them responsible for their members actions. That gives them monopoly like protections. I know the Republican's repeatedly question Twitter and Facebook's CEO's on whether or not they work together with google and their other related apps to share our data. They want to revoke those corporation rights. So if Google, Facebook, and Twitter begin to censor everyone who does not align with them on watch lists deemed undesirable beforehand then they lessen the potential blowout of thousands if not billions of people attempting to run said companies into the ground with lawsuits. I am not too affected. I have spotify for my musics. I have MGTOW.tv for most of my content. I can still use Youtube without an account. I simply lose all my playlists. Funny enough YT is still tracking what I watch and what I like to promote other content I may like. Despite no longer having a channel. I told a friend it was like having a stalker who knew EVERYTHING about you. Your favorite foods. Where you will be at what time you'll be there. Suddenly popping up trying to befriend you knowing way too much about your personal life. You would feel disgusted this person knew so much and yet did not take the time to be your friend first. Our data is not safe. These channels arent safe. Using gmail to message you is not safe. I don't quite understand in all the years I have listened to you now just how donations and topic requests work. But I do think if these companies get their protections revoked that those in the red and black pilled communities need to mirror their own favorite things on other sites. Whatever they can mirror, make sure it's over there and they could switch over to the other sites if they get zucked, cucked, or majorly ducked. I would love it if you warned others on YouTubers and such to find other avenues to get their same content elsewhere. A reminder that this "world reset" is on the rise and MGTOW is watching the sunset. So if men want to continue to have open free spaces to enjoy discussing such topics then they need to prepare by mirroring their social media/mainstream media usage to sites that will not ban them for it. These redpills are the lessons our fathers should have taught us. They need to stick around. We are redpilling the men of tomorrow and they are going to benefit from it down the line. Keep up the good work Sandman, and stay in good health. Well Brendan thanks for the donation and topic. Before I cover it let me first tell everyone about today's sponsor Lituanian Apiary:

2 photo credits:

1. Beekeeper controlling beehive and comb frame
https://www.bigstockphoto.com/....image-127543460/stoc

2. Portrait of a cheerful man and woman beekepers in protective uniform
https://www.bigstockphoto.com/....image-331939078/stoc

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