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US should watch its debt pile before 'things get out of hand,' Fed's Mester says22/5/2018
  The U.S. should keep its debt-to-GDP (gross domestic product) in mind before things "get out of hand," Federal Reserve Bank of Cleveland President Loretta Mester said Monday.To get more economic current events, you can visit shine news official website. Asked by CNBC's Joumanna Bercetche if she was worried about the outlook for rising U.S. debt, Mester was measured but encouraged monitoring the debt level, which is at its highest since just after World War Two.
"I think we have to be taking into account the health of U.S. economy, in terms of are we on a sustained fiscal path?" Mester replied. "And I do think that's something we should be thinking of now as we go forward, and not waiting till things get too far out of hand.U.S. debt-to-GDP reached 104 percent in 2017, its highest level since 1946, when it hovered around 120 percent. Total U.S. debt has surpassed $21 trillion this year, a more than 120 percent increase from a decade ago.
 Meanwhile, publicly-held U.S. debt-to-GDP — debt that the federal government owes to those outside the government — is 75 percent, but is expected to double by 2047, pushed upward by a raft of recent government spending and stimulus programs. The non-partisan Congressional Budget Office reported that a continuation of the current fiscal trajectory could take the current ratio up to 150 percent of GDP in 30 years, putting the U.S. in the same camp as Greece or Italy. According to the International Monetary Fund, the U.S. is the only advanced economy where debt-to-GDP is scheduled to increase in the next five years. Some government officials have pointed to this as a warning sign that could impact more than the economy.
 Earlier this year, National Intelligence Director Daniel Coats called rising debt a national security threat. "The failure to address our long-term fiscal situation has increased the national debt to over $20 trillion and growing," Coats said during a Congressional hearing in February.
 "This situation is unsustainable as I think we all know, and represents a dire threat to our economic and national security." Still, ratings agencies continue to show confidence in the U.S. economy, with Moody's and Fitch in April reiterating their AAA gold-standard rating for America's credit standing.
They reason that even with Washington's growing debt pile, it has sufficient resources to retain its global reputation. Global debt is at its highest level in history, with advanced economy debt far surpassing that of emerging market countries. Total debt levels globally came in at a record $164 trillion in 2016, amounting to 225 percent of the world economy's gross domestic product, according to the IMF's April Fiscal Monitor. Average debt for advanced economies stood at 105 percent of GDP, while that for middle and low-income countries averaged between 40 and 50 percent.  
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How to Find and Buy Off-Market Homes21/5/2018
   With real estate inventory still tight in many markets around the country, home buyers need an edge, and that’s where off-market listings come in. Otherwise known as pocket listings, these are homes that are for sale but aren’t listed on the multiple listing services. That means the real estate agents selling these properties have to do the legwork to find buyers.To get more buying homes, you can visit shine news official website.
 Off-market listings may seem counter-intuitive to the seller. After all, there is more demand than inventory which means bidding wars are a common occurrence in many neighborhoods. This all poses the question why would a seller want to do a secret listing? Some opt for an off-market listing to test the waters while others go this route for a more private sales process. Certain homeowners even think a pocket listing will create an allure that will get them an even higher price than a traditional bidding war.  For buyers, the benefits of an off-market listing are twofold. For starters, it gives them access to inventory that their competition isn’t seeing. If you are buying in a particularly hot market, pocket listings may be the only way to purchase a home. In regular market climates, buyers of pocket listings often get a deal partly because the commission the seller has to pay is lower.
Buyers who have access to these off-market listing increase the odds they will end up purchasing a home. And today it is easier than before to locate off-market listings. In the past, the only way to hear about a pocket listing was through word of mouth.  When it comes to off-market listings, they come in different flavors. There are the traditional, secret prestigious listings—the exclusive, million dollar homes that most of us only see on T.V. Then there are those listings that will show up on real estate search websites 30 days or more before the house will hit the multiple listing services that everyone has access too. There are also those opportunistic off-market listings where a real estate agent will approach a homeowner about selling their home.
 Finding a traditional, exclusive, off-market home isn’t going to be as easy as searching the web. It’s going to require a little homework and lots of networking. Once you have pinpointed the neighborhood, you want to buy in you’ll need to come up with a list of top agents and contact them about any pocket listings they may have. That’s going to mean calling or sending an email to make contact. Some real estate agents even have websites where they showcase their off-market houses and have services that buyers can subscribe to and get email alerts about new listings. In addition to contacting real estate agents directly, buyers have a lot of Internet tools available to them to find listings before they are open to the general public. For instance, Zillow’s “coming soon” feature lets agents, brokers and multiple listing services market homes on Zillow thirty days before it hits the multiple listing services. That gives quick acting buyers a bit of an early advantage, granted their competition isn’t using Zillow as well.
 PocketList.co is a website that lists off-market real estate in the San Francisco Bay area and is an example of a local pocket listing service. (Read more, here: Top Websites For Home Sales.) Finding a pocket listing is half the battle but seeing a deal go through is the end-game, which is why buyers of off-market listings have to know the ins and outs of the process. Once you get to contract, it is a standard deal, but since the agent is likely representing both of you, it can get a bit murky. While a pocket listing gives you VIP access to the real estate market, the tradeoff is often the real estate agent is representing both you and the seller. Known as a dual agency sale, while perfectly legal, it can be hard for the buyer to tell if the agent has his or her's best interests in mind. The higher the sale price, the heftier the commission for the agent. If you are buying in a market with little inventory, it may not matter if you are getting the best deal as long as you get the home, but it pays to be aware of any conflicts of interest. 
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