What do you think? Fannie Mae: Americans Feeling Better, Housing

General survey findings:

Americans' attitudes towards the housing market are continuing to improve, despite stalling optimism about the economy and personal finances, according to a monthly survey by Fannie Mae.

Fannie Mae Survey Finds Americans Feeling Better About Housing – Real Time Economics – WSJ

What will interest rates do? The Fed is talking about more easing. Easing typically does not include increasing interest rates but the opposite. Keeping rates low for savers also causes them to invest in other than the most conservative and passive investments. If people save with low-earning investment vehicles, inflation will eat their capital. (See: "As Low Rates Depress Savers, Governments Reap Benefits," by Catherine Rampell. New York Times.)

Where will housing values go? This is a very complicated issue with many factors going into the modeling. For instance, few are privy to the inner workings of the deal making at Fannie and Freddie, etc., with huge, corporate bulk-buyers. Also very few know what Ben Bernanke privately discusses with the heads of the largest member banks of the Federal Reserve system.

Their non-transparent deals and the full thinking behind their decisions appears to be geared at best with the wealthiest aggregate in mind and almost not at all concerning sole, middle- and lower-class earners, savers, investors. It appears to be extremely weighted toward "Too Big To Fail" entities, their investors and executives, and equity-market positions. (See: "C.A.R. Calls for Transparency in FHFA Bulk Sales Pilot," by Tory Barringer. DSNews.com.)

What do you think? Let us know.


If you are an investor in 1-4 unit properties in Arizona, California, Nevada, Oregon, Utah, or Washington, please do the financially responsible thing and make sure you have proper Landlord Insurance with PropertyPak™. We love focusing on real estate and the economy in general, but we are also here to serve your insurance needs.

Hill & Usher (PropertyPak™ is a division) has many insurance offerings. See our menu above for more info and links.

Did this post help you? Let us know by leaving your comment below.

Note: This blog does not provide legal, financial, or accounting advice. Seek professional counsel.

Furthermore, we, as insurance producers, are prohibited by law from disparaging the insurance industry, carriers, other producers, etc. With that in mind, we provide links without staking out positions that violate the law. We provide them solely from a public-policy standpoint wherein we encourage our industry to be sure our profits, etc., are fair and balanced.

We do not necessarily fact checked the contents of every linked article or page, etc.

If we were to conclude any part or parts of our industry are in violation of fundamental fairness and the legal standards of a state or states, we'd address the issue through proper, legal channels. We trust you understand.

The laws that tie our tongues, so to speak, are designed to keep the public from losing confidence in the industry and the regulatory system overseeing it. Insurance commissioners around the country work very hard to analyze rates and to not allow the industry to be damaged by bad rate-settings and changes in coverages. The proper way for people in the industry to deal with such matters is by adhering to the laws, rules, and regulations of the applicable states and within industry associations where such matters may be discussed in private without giving the industry unnecessary black eyes. Ethics is very high on the list in the insurance industry, and we don't want to lose the people's trust. That said, the industry is not perfect; but what industry is?

For our part, we believe in strong regulations and strong regulators.

We welcome your comments and ask you to keep in mind that we cannot and will not reply in any way or ways where any insurance commissioner could rightly say we've violated the law of the given state.

We are allowed to share rating-bureau data/reports and industry-consultant opinions but make clear here that those opinions are theirs and do not necessarily reflect our position.

Subscribe