I received an e-mail/survey from my friends in the banking/mortgage industry and considering the real estate – housing industry is one of the pillar of the U.S. economy, I’m presenting my old forecast/call on housing dated Dec. 15, 2006 impact dated Mar. 15, 2007
Besides, even though the UK does not have Fannie Mae and Freddie Mac, the housing market is expected to be problematic as indicated by this 01/26/12 news below:
Housing market ‘to remain subdued’ 01-26-12
UKPA) – 2 hours ago Thursday, January 26, 2012
http://money.aol.co.uk/2012/
A “generational divide” in the property market is likely to cause further subdued sales this year, with young people unable to buy and older home owners unwilling to sell, a study has found.
One in 10 Britons would consider moving home or trying to get on the housing ladder in the next six months, the HSBC Moving Home Survey said.
==============================
E-mail forecast via Yahoo News Story: Real estate expected to flounder in 2007 dated 15 Dec. 2006
Date: 15 Dec 2006 11:08:46 -0800
From: “Bienvenido Macario” <laspinassja@yahoo.com>
To: wais@adrian.edu, ned.macario@gmail.com
CC: laspinassja@yahoo.com
Subject: Yahoo! News Story – Real estate expected to flounder in 2007 – Yahoo! News
Bienvenido Macario (laspinassja@yahoo.com) has sent you a news article.
(Email address has not been verified.)
——————————
Personal message:
If you have a house and a mortgage, this is one e-mail you cannot afford NOT to read.
December 15, 2006
NOTE TO SELF – MORTGAGE AND REAL ESTATE
Excerpt: “If you would go back to Alan Greenspan’s speeches, he sounded the alarm bells back in 2005 when he expressed concern about (the) exposing the bigger portion of Fannie Mae’s and Freddie Mac’s real estate portfolios to high risk and creative products.
This is what he was talking about.
The effects of this PORTION of the perfect storm will manifest itself by March 15, 2007*.
There are always solutions.”
=== end of email excerpt =======
FAST FORWARD TO MARCH 15, 2007
Housing woes deepen in U.S. industrial heartland
By Andrea Hopkins and Kevin Krolicki Thu Mar 15, 2007* 6:46 AM ET
http://news.yahoo.com/s/nm/
DETROIT (Reuters) – Job losses in the U.S. industrial heartland have left states like Michigan and Ohio more vulnerable to mortgage defaults, as home finance costs rise amid often moribund real-estate markets.
On a combined basis, Michigan and Ohio accounted for an out-sized 15 percent of foreclosures across the United States in January, the most recent month for which data is available from tracking service RealtyTrac.
==============================
Ned Macario
Lemuria
Ancora Imparo
IGA
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Real Estate Forecast Dec. 15, 2006 impact date: Mar. 15, 2007 | Lemuria is an amazing share. Thanks a lot for this article.
he real estate forecast Dec. 15, 2006 http://www.nedmacario.com/2012/07/01/real-estate-forecast-dec-15-2006-impact-date-mar-15-2007/ jumped to 2010 “Fannie Mae’s Woes. Even then I wasn’t able to post my unsolicited suggestion to the GSE oversight and Congress. But even the subprime meltdown started; went overseas hit Europe and then came back in the form of the 2008 financial crisis,
I have this discussion and accounting. This is Zero Sum Game of Global Finance 3rd Edition 10/07/08
Excerpt:
“We have to remember that the accounting irregularities in Fannie Mae and Freddie Mac on the one hand and Enron on the other are one and the same.
But Enron executives were jailed while Fannie Mae and Freddie Mac executives retired with millions of dollars in exit packages. What new regulation and oversight is needed here?
As Tor Guimaraes and Jody Brennan both noticed, lenders and borrowers both made their respective misrepresentations, but I wonder how many borrowers were prosecuted.
“Bernake’s emphasis:
1) Markets need to have the confidence that the problem will be attacked with sufficient force (hence $700 billion, which I believe is the same amount of US oil imports and thus neutralizing the adverse effects of oil-price fluctuations and speculations during the bailout period.)
2) Close and continuous oversight might be the solution to lawmakers’ concerns.
3.) The issue is whether the small amount would be enough to address market confidence. (There are $14 trillion * in outstanding residential and commercial mortgages. $700 billion* is just 5% of the outstanding mortgages. I believe the $700 billion is more than enough to bail out the economy, provided politics is kept to a minimum and subject to a SEEFITS review of the details that will follow the “principle in agreement” on the bailout now pending in Congress. It’s amazing how the word “politics” and “corruption” could be interchangeable.
Final comment: If the overseas aspect of this financial crisis is not contained by reforming, replacing or rivaling the World Bank, IMF and the UN, we’d be lucky to enjoy three years of recovery from this crisis before we are plunged to a deeper and more desperate downturn.
If this crisis happened between elections, it would have been crystal-clear to our leaders in Congress, the government, the private sector, investors, the media and the public that it was the collective fault of the World Bank, IMF and the UN that brought the crisis deep into this level. Even as recently as Dec. 14, 2007, the World Bank continued to seek funds for debt forgiveness and in fact secured $16.5 billion~ in cash for the purpose. The California State budget deficit did not add up to $16 billion+ until Feb. 20, 2008.”
* – Zero Sum Game Theory of Global Finance – 3rd Edition 10-07-08
Outstanding mortgages (residential & commercial) Oct. 7, 2008 – +$14 Trillion*
Proposed bailout fund or amount of oil the US Imports annually – +$700 Billion*
2007 Sovereign Funds, foreign exchange reserves, pension fund – less $14.7 Trillion*
—————–
$00.00 (balance)
Stock market losses worldwide for 2008 – $10.2 Trillion~
U.S. National Debt as of Oct. 08, 2008 – $10.2 Trillion~
====================================== _______________
0.00 (balance)
3.) The issue is whether the small amount would be enough to address market confidence. (There are $14 trillion * in outstanding residential and commercial mortgages. $700 billion* is just 5% of the outstanding mortgages.
re: US: on the Financial Crisis and Bailout (Bienvenido Macario, Philippines) Sept. 25, 2008
http://waisworld.org/go.jsp?id=02a4&objectType=post&o=24935&objectTypeId=19185&topicId=1
I must admit, I’m struggling with presenting these ancient posts and matching them with current events and write analytic discussion.
More to come,
Ned Macario
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videos to your site when you could be giving us something enlightening to read?
North Face Jackets for women,
The real estate forecast Dec. 15, 2006 http://www.nedmacario.com/2012/07/01/real-estate-forecast-dec-15-2006-impact-date-mar-15-2007/ jumped to 2010 “Fannie Mae’s Woes. Even then I wasn’t able to post my unsolicited suggestion to the GSE oversight and Congress. But even the subprime meltdown started; went overseas hit Europe and then came back in the form of the 2008 financial crisis,
I have this discussion and accounting. This is Zero Sum Game of Global Finance 3rd Edition 10/07/08
Excerpt:
“We have to remember that the accounting irregularities in Fannie Mae and Freddie Mac on the one hand and Enron on the other are one and the same.
But Enron executives were jailed while Fannie Mae and Freddie Mac executives retired with millions of dollars in exit packages. What new regulation and oversight is needed here?
As Tor Guimaraes and Jody Brennan both noticed, lenders and borrowers both made their respective misrepresentations, but I wonder how many borrowers were prosecuted.
“Bernake’s emphasis:
1) Markets need to have the confidence that the problem will be attacked with sufficient force (hence $700 billion, which I believe is the same amount of US oil imports and thus neutralizing the adverse effects of oil-price fluctuations and speculations during the bailout period.)
2) Close and continuous oversight might be the solution to lawmakers’ concerns.
3.) The issue is whether the small amount would be enough to address market confidence. (There are $14 trillion * in outstanding residential and commercial mortgages. $700 billion* is just 5% of the outstanding mortgages. I believe the $700 billion is more than enough to bail out the economy, provided politics is kept to a minimum and subject to a SEEFITS review of the details that will follow the “principle in agreement” on the bailout now pending in Congress. It’s amazing how the word “politics” and “corruption” could be interchangeable.
Final comment: If the overseas aspect of this financial crisis is not contained by reforming, replacing or rivaling the World Bank, IMF and the UN, we’d be lucky to enjoy three years of recovery from this crisis before we are plunged to a deeper and more desperate downturn.
If this crisis happened between elections, it would have been crystal-clear to our leaders in Congress, the government, the private sector, investors, the media and the public that it was the collective fault of the World Bank, IMF and the UN that brought the crisis deep into this level. Even as recently as Dec. 14, 2007, the World Bank continued to seek funds for debt forgiveness and in fact secured $16.5 billion~ in cash for the purpose. The California State budget deficit did not add up to $16 billion+ until Feb. 20, 2008.”
* – Zero Sum Game Theory of Global Finance – 3rd Edition 10-07-08
Outstanding mortgages (residential & commercial) Oct. 7, 2008 – +$14 Trillion*
Proposed bailout fund or amount of oil the US Imports annually – +$700 Billion*
2007 Sovereign Funds, foreign exchange reserves, pension fund – less $14.7 Trillion*
——————–
$00.00 (balance)
Stock market losses worldwide for 2008 – $10.2 Trillion~
U.S. National Debt as of Oct. 08, 2008 $10.2 Trillion~
====================================== _______________
0.00 (balance)
3.) The issue is whether the small amount would be enough to address market confidence. (There are $14 trillion * in outstanding residential and commercial mortgages. $700 billion* is just 5% of the outstanding mortgages.
re: US: on the Financial Crisis and Bailout (Bienvenido Macario, Philippines) Sept. 25, 2008
http://waisworld.org/go.jsp?id=02a4&objectType=post&o=24935&objectTypeId=19185&topicId=1
I must admit, I’m struggling with presenting these ancient post and matching them with current events with analytic discussion.
More to come,
Ned Macario
What’s up mates, its fantastic post concerning education and completely explained, keep it up all the time.