Real Estate Forecast Dec. 15, 2006 impact date: Mar. 15, 2007

 

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/2012/01/28/housing-market-to-remain-subdued/

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.
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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.eduned.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/20070315/us_nm/usa_subprime_midwest_dc

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.

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Ned Macario
Lemuria
Ancora Imparo
IGA

Ned Macario’s Resume

Bienvenido Macario

E-mail: ned.macario@gmail.com

alternative e-mail: b_macario@hotmail.com

OBJECTIVE:

To apply new and proven knowledge gained through online education, work experience, observation and my participation with WAIS (World Association of International Studies) website: http://wais.stanford.edu/ in the public or private industries. Examples of my WAIS posts are included.

EDUCATION: Bachelor of Science in Business Administration – Accounting

Selected Online Courses Completed through Stanford University’s Continuing Education and All Learn Lifelong Learning (2008):

1.)   Political Science & various business courses – Stanford University;

2.) “Beyond Irrational Exuberance Making Sense of the Stock Market” – Yale University;

3.) “The New Financial Order: Risk in the 21st Century” – Yale University;

4.) “Growth & Competition in the European Union” – Oxford University

Consistent contributor to the Stanford based web forum World Association of International Studies (WAIS) since 1999. Website: http://wais.stanford.edu/

 SKILLS:

Working knowledge of OMB circulars A-132 and A-133 in the contracts & grants and work in process accounting from the city government perspective as applied for municipal, state, federal programs including reimbursable projects.

  • Intermediate to Advance Excel experience, MS Word
  • JD Edwards Accounting Software.
  • Analytic.

SUMMARY OF QUALIFICATIONS:

  • Solid foundation on USdomestic finance, trade, industry and business trends.
  • Unique experience in global financial markets & currency trends.
  • Experienced in the securitization efforts of mortgage alternatives in overseas real estate markets.
  • Performed analysis, conceptualization & provide preliminary evaluation of the financial valuation methods & alternatives of goods or services.
  • Strong analytical skills applied in global and regional trade & foreign currency trends.
  • Keen understanding of international business and financial development dynamics.
  • Third party consulting on privatization efforts & financing alternatives in the energy and transportation industries in developing country setting.
  • Performed analysis, conceptualization & preliminary evaluation of privatization methods of various industries in overseas emerging capital markets.

EXPERIENCE:

Lemuria Corp.  Corona, CA                                                           1998 – Present

Independent Consultant                                

  • Reviewed & analyzed Grameen banking & micro-finance applications and alternatives in suburban & urban settings in both developing and first world settings.
  • Maintain on-going domestic market research & analysis with emphasis on the roundabout global impact.
  • Reviewed agro-industrial revival & revitalization business plans in a specific developing nation setting.
  • Prepared a comprehensive business development plan for an IT consulting and recruitment business including cash flow, income projections, marketing, management and financing schedules.
  • Conceptualized and developed a strategy in formulating review standard for an energy related grant application.
  • Assisted in the review of a pre, pre-qualification grant application for the California Energy Commission.

GIMC Inc. (now Lemuria Inc.) Ridgecrest, CA                                1995 – 1997

Independent Consultant

 

  • Conceptualized, developed and implemented business plan for IT outsourcing and staffing business.
  • Designed and developed an overseas recruitment program including the visa applications, processing and documentation ensuring a seamless operation.
  • Provided 3rd party consulting services to review a business plan for the privatization of port functions.
  • Provided preliminary consulting to majorUSbased engineering & construction companies and overseas market in privatization of transportation and energy infrastructure projects.
  • Provided preliminary consulting for the overseas real estate and construction industry focusing on financial challenges and their requirements.

PARTIAL LIST OF UNPUBLISHED PAPERS

Here are the eight papers with my e-mail dated 5-22-04 being last on the list. Please note that the following are separate papers

1.) “The Perfect Storm” (June 3, 2005);

2.) “Zero Sum Game Theory of Global Finance” (Oct. 13, 2005);

3.) “Market Watch Dow 10.2K & Nasdaq – 1,932” (Jan. 2005)

4.) “Dec. 2004 Market Watch” May 22, 2004;

5.) “Financial Analysis – A Six-month Run” Aug. 2003 – Impact date 3-18-04

6.) “Perfect Storm Over Europe” (December 31, 2005) – Some EU countries wouldn’t

even know what will hit them.” (NEW ! ! !)

7.) “Event Horizon for the American Auto industry” (November 2004)

Presented informally in April 2005

8.) “Note To Self” E-mail May 24, 2004. Various Industries and Challenges

Includes publishing & newspapers; entertainment (movies and recording industry); Clothing & Apparel industry; Supermarkets; Banking (S&L); Finance & Investments, Mutual funds, mortgage industry, insurance; Tech Sector or Silicon Valley; Airline Industry & Transportation; Health Care Industry, Pension & Retirement; Education & Utilities.

credential-evaluation-report-p1-lyceum-transcript-of-records-09-10-16

credential-evaluation-report-p2-lyceum-transcript-of-records-09-10-16

credential-evaluation-report-p3-lyceum-transcript-of-records-09-10-16