
SAN DIEGO REAL ESTATE & MORTGAGE REPORT
Published since 1980 discussing local and national economic trends
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All mortgage lenders, great and small, must immediately adhere to the auction results reported below, as these auctions determine the pricing of fixed-rate mortgages nationwide. By comparing today's results, with past auction results, one can measure changes for all fixed-rate mortgages. No one, of course, knows which way rates may go from day-to-day, let alone hour-to-hour, so we naturally cannot be held responsible for market shifts, nor for the charts and data gathered from independent sources.
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-Call for Current Retail Discount Pricing:
03/09/2023
SOBERING NEWS: A PUNCH DRUNK ECONOMY AND NOW THE HANGOVER
30yr. Fixed rate: 6.50% (6.79% APR)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 6.49%, UP .63% from February average, as FEDs unload part of their $2.7 trillion mortgage-backed securities they bought to stimulate this market years ago and now holding $2.6 trillion as of 2-15-23. This chart of total Federal Reserve Assets shows the Feds reducing overall alcoholic content from 8.94 trillion in 04/06/22 by 560 billion to 8.38 trillion, So we now see what quantitative guzzling and now tightening looks and feels like on our brains, heretofore enjoying a cheap buzz for years by FED bartenders who didn't know when to quit spiking the shots. It seemed in past months, they weaned the market off and turned around and opened the bar to give patrons just enough to keep them content. But when straight shooters now require double the content to cut the throbbing, there's a point where markets have to back away from the bar and these controllers or get bushwacked by thieves in the night. So the market just got enough octane in the engine in Wednsesday ADP payroll report for January By the sheer numbers, it's not the old adage of taking away the punch bowl, as this one just scooping some away. and barkeep encouragement to keep one foo after the other on the way out.
TALE OF TWO ECONOMIES? NO ONE IS A SUSPECT~ EVERYONE IS A SUSPECT (CONT'D)
One of the latest jobs reports says that US-based employers announced 102.943K job cuts in January of 2023, the most since September of 2020, and compared to 43.651K in December. It is also the highest January total since 2009, when 241.749K were announced, as companies are preparing for an economic slowdown, cutting workers and slowing hiring. The technology sector announced the most cuts with 41.829K, 41% of all cuts, and the second highest on record. Retailers announced the second-most cuts with 13K; real estate 2.191K as housing demand and prices fall. Meanwhile, employers announced plans to hire 32.764K workers, primarily in entertainment/leisure. This is down 58% from a year earlier and 37% from December 2022. source: Challenger, Gray and Christmas, Inc.
Oh, so sorry, wrong report and wrong narrative. Speaking of narrative, those watching and comparing private sector jobs data over many years always found ADP (largest payroll accounting firm in the nation) to be lower the government head counts. Even though there might be 50 million entrees, it's pretty much a spreadsheet head count. When government reports of over 1 million new jobs through June of 2022, ADP happened to be shut down all summer awaiting software upgrades by Stanford Labs. It didn't make sense that they couldn't publish their monthly reports running the current system awaiting new system.
The new system involved technology merger with Stanford Labs, specializing in A.I. This A.I. platform we just now learn from Twitter releases are designed to control the narrative, and had the highest volume of bots, and removal of unwanted narratives. (See X22Report.com- found at 18min on tape). Any doubts about government controlling the narrative, here's a reminder, on 1,000,000 jobs that weren't.
Technolgy companies that are funded by taxpayers to spy and create false narratives should end in this fashion: Silicon Valley Bank is seized by US after historic failure.
06/03/2022
THIS JUST ON THE Q.T.: A TITANIC UNDERTAKING?
FNMA wholesale 30yr. fixed-rate mortgage auction results: 4.61%, down .10% from May's average, as these yields don't tell the full story if the Feds carry out their quantitative tightening beginning Monday. This QE ship set sail back in 2009 with Fed Captain Bernanke at the helm coming up with what first appeared to be an ingenious plan to get a grounded economy running again by fueling it with low interest rates--without the burdens associated with borrowing on the open market or raising taxes to pay for it! For the first time ever, quantitative easing was launched whereby the Feds would interfere with market forces and buy these mortgage-backed securities to push mortgage rates to all-time lows, and keep them there, buoying the economy not just over rough months but for years. There's only three problems with that plan: first, the Feds didn't have the money to buy hundreds of billions in these securities on a yearly basis, so the Feds asked the Treasury to print up a boat load of Dollars, and secondly, the plan had no drop dead completion date. After 13 years of QE, that boat load of debt now weighs $8.9 trillion in Treasury notes and mortgage-backed securities, enough to sink a normal sized boat or put a real drag on the largest Ship of State in the world. The Feds know they have to start unloading the bilgewater of debt (drain from the system) or face larger and larger inflation waves on the high seas ahead, fanned by the creation of money out of thin air. And the 3rd problem: who will be buying this debt without an attractive yield? That's likely what Chase CEO Dimon spotted in his eyepiece on the starboard side, having similar concerns with a different analogy in mind: "brace yourself--a hurricane" coming.
COMMERCIAL VALUATION TIDBITS
Globe.com published an article about the importance of the bottom line figure of net operating income (NOI), which is obviously gross income less expenses.
02/03/2023
TALE OF TWO ECONOMIES? NO ONE IS A SUSPECT~ EVERYONE IS A SUSPECT
FNMA wholesale 30yr. fixed-rate mortgage auction results: 5.24%, DOWN .65% from this time last month, and incredibly after Feds sell $10 billion of these mortgage-backed securities in the latest week (see 07-01-2022 PEELIN' BACK THE ONION? for more background info).
Speaking of incredible, (aka per Webster's Dictionary: not credible, too extraordinary and improbable to be believed making incredible claims ), Friday's job report got these reactions: Holy Cow! Blockbuster! GOBSMACKED! Stunned Fox Business Crew Blown Away By ‘Incredible’ Jobs Report, while others financial analysts threw out other expressions of disbelief like "HOLYl MOLEY, or WOW! WOW!' CNBC Anchor Stunned By Jobs Report Showing 517,000 Jobs Added — 'A Blastoff of a
nimber https://t.co/P8sxFQnJtG pic.twitter.com/WC4jMYt1Tr Of course that's a controlled media ready at the set as another Fed agency, The Bureau of Labor Statistics, dialed up this incredibly high number of 517,000 new jobs in January. This immediately resurrected the President from slumber to claim the record prize on State of The Union Address. The only problem, among others, is that the Bureau didn't alter one piece of the data, as Zero Hedge called a "whoppsie" on their part and points out: US full-time workers declined by 10K over a period of 10 months. Meanwhile, part-time workers soared from 25.908 million to 27.400 million, an increase of 1.492 million!
So what government agency is not a suspect rearranging data to fit a narrative? While the USPS gets a pass, even the U.S. monitoring system for weather conditions, NOAA, requires all employees to sign a non-disclosure agreement, and any discussion of weather modification technology like chemtrails or HAARP is taboo.
DEBT CLOCK REVELATIONS?
How much Dollar currency is floating around in the world. It appears the Feds are starting to restrict the amount of cash in M-2,(checking, savings, and other similar liquid account holdings of individuals and corporations), dropping $400bil to $21.2 trillion since 01/2022, another figure shown in the debt clock gives a better estimation. Since a Dollar is a debt note, as are derivatives, this Clock reveals the total circulation of both is over $646 trillion with $88 trillion in 2000 for comparison. So globally, the estimate in the quadrillions, just a decimal point away, is not off the market, and some calculate it at $2.4 quadrillion Dollars. No matter the number, stock and bond holders just keep on keeping on as though size doesn't matter.
01/05/2022
2023: LOOKING THRU A GLASS ONION
A common phrase describing the removal of multiple layers that hide the truth is peeling back the onion. For instance see 7-01-22 report below about somewhat disguised activities by the Fed, then the mysteries on who, if not the Feds, are actually buying dollar denominated debt to drive rates lower and lastly the questionable jobs report (last report dated12-02-22 below). But there's no peeling back a glass onion to make discoveries as the song by John Lennon and now a movie named Glass Onion illustrates. Whistleblowers and disclosures are coming and It's going to be right there for all to see in 2023, whether it's phony reporting on Ukraine, vaccine injuries, bogus economic data, stolen elections, three letter government agencies censoring media, or the real global war few talk about, which includes weather warfare, underground battles, and secret technologies. One major onion peel blocked from most viewers late in 2022 was the latest Philidelphia Fed report, which came out with a stunning and incredible revision on the 2Q job estimate the Bureau of Labor Statistics claimed to be 1,100,000 new jobs and corrected by Philadelphia Fed to just 10,500:
"In the aggregate, 10,500 net new jobs were added during the period rather than the 1,121,500 jobs estimated by the sum of the states; the U.S. CES estimated net growth of 1,047,000 jobs for the period." Keep in mind that's just one quarter. How far off will they be for 3rdQ and 4thQ? As Zerohedge.com emphatically suggests in a December 15th report following this massive discrepancy for the 2nQ: "Since then the difference only got worse, and culminated earlier this month when the gap between the Establishment and Household surveys for the November dataset nearly doubled to a whopping 2.7 million jobs." Note that the Household survey includes all self-employed and 1099 commission earners (ie, non-w-2 employees). If one were to put a smiley face on statistics before the elections, you do it for 3rdQ GDP and announce on 10-27-2022, indicating it as "Advance Estimate" of 2.6% growth after negative growth in 1st & 2nQ which shut analysts up real quick about being in a recession. It is said 2023 will be the year for transparency (Twitter now revealing what's inside that glass onion for starters), whistleblowing, and mass arrests. Otherwise known as the long-awaited Great Awakening, the many veils of secrecy may get peeled away to behold that glass onion and simple truths for the world to see. One may happen as early as tomorrow (see 3rd column).
Others, like the recent invention of the term bomb cyclone or dry lightning and their usage on West and East Coasts (see causation), other geoengineering creations that produce droughts, wildfires, floods and hurricanes, may have to wait a while longer. Secret technologies, crimes against humanity, and details on the global war now being waged that include treason, a new financial system, could be sooner than later, depending on the length of this war, all shrouded in mainstream media secrecy. Rumors are The Earth Alliance, one of the last onions to unpeel before the public, is in the final stages of defeating this evil; so by the end of 2023, it will be one of the greatest years ever to remember.
Prepare yourselves for the unknown like a job-killing recession and set aside 6 months of expenses with an equity line-of-credit. Older folks should have a look at reverse mortgage programs that put the risks on the lender, eliminating monthly payment obligations. Call or write today for details 619-390-4042; mesapac@cox.net
12/02/2022
KATIE BAR THE DOOR ?
FNMA wholesale 30yr. fixed-rate mortgage auction results: 5.55%, .10% lower than yesterday, but a great distance away from October's average of 6.20%, in an amazing downward direction all month long. Stepping back in time to October 19th, 1987, this was a day still etched in the minds of traders back then and called Black Monday. Investopedia says: It was a striking wake-up call for the market, individual investors, and the Fed, seeing the gains of the prior year wiped out in a matter of hours. Worse, there was no compelling fundamental reason for the crash. We have news for the writer as we in the mortgage business saw these very auctions spike up a full 1% the Friday before. Stock investors saw this monster of a movement occur in the U.S. treasury market, and it was Katie bar the door the next business day. Back then, and still likely today, ,Japanese investors tended to move in unison. The Dollar was collapsing against the Yen and Japanese investors saw their U.S. treasury yields dwindling (getting paid back with cheaper Dollars deteriorates the yield and has little appeal to normal investors). Many sold their U.S. denominated debt, as "normal" selling in mass at auctions lowers the value of the security, which raises the rate. However, other global investors not tied to Yen saw this on Monday as an opportunity to buy, which brought the yields back down to where they were, aided by Fed intervening and lowering the discount rate as encouragement. Little wonder that Investopedia missed that one day blitz event. Now this brings us to the question for today, following the significant drop in rates. Who is doing the buying to drive rates lower? Feds say it's not them, as their balance sheet says they actually sold $14b in mortgage-backed securities and another $16b in other securities in the latest week. China and Japan say it's not them either, and are actively selling, not buying: Foreign Cen Banks Continue To Dump Coupon Treasuries.
Granted, the Dollar is strong against weaker currencies for now, but something seems amiss. Are those massive amounts of global derivatives (see REPO MANIA below) being held at bay by some magical central bank feats or is this a case of government reporting errors. Will we someday get a new best seller called True Confessions of a Central Bankster? Will it be "Katie Bar The Door" for the markets at time of release, or maybe sooner?
12-02-2022
JOBS REPORT IN DISARRAY ?
Last month's ADP private payrolls for October were quite impressive at first glance with some 247,000 new jobs, with the latest for November less impressive with 127,000. Now in each case, the category that excelled was leisure/hospitality (arts, entertainment, recreation, accommodations, and food service) with 224k this latest month and 210k in October. Simple arithmetic says job losses of 97,000 occurred in the other categories (217k minus 224k=-97k) for November. Add in job growth in education/health of 55k, where sadly folks are getting far sicker as the Commissioner of BLS states: "In November, health care continued to add jobs (+45,000), with gains in ambulatory health care services (+23,000), hospitals (+11,000), and nursing and residential care facilities (+10,000). So far in 2022, health care employment has increased by an average of 47,000 per month, well above the average monthly gain of 9,000 in 2021..." Employment in social assistance has increased by an average of 18,000 per month so far this year, compared with the 2021 average of 13,000 per month." These figures shown by the ADP report add up to152,000 job losses in more productive sectors of the economy, like "laundry services, up 13,000." Anyone connected to real estate and mortgage financial services knows this number got fudged per the same report: "Employment in financial activities continued its upward trend in November (+14,000). Job gains occurred in real estate and rental and leasing (+13,000)." Perhaps poll dancing, bell-hop, food servers, or housekeeping jobs are in their future.
Challenger latest Job Cuts report puts an exclamation point on these losses saying: "So far this year, employers announced plans to cut 320,173 jobs, a 6% increase from the the first eleven months of 2021, with the tech sector cutting 80,978, the most since 2002."
SKY'S THE LIMIT FOR CONFORMING LOANS IN SAN DIEGO
New loan limits are starting to look like the trajectory of the Federal debt ceiling limit, with conforming loans here in San Diego set at $977,500, which likely comes with a 5% down payment minimum. Following the FHFA’s announcement, the Housing Policy Council (HPC) issued a statement: “Excessively high loan limits exacerbate the affordability crisis,” the HPC wrote in a Press release. “House prices have grown much faster than household income, in large part due to supply constraints and low-cost financing. “Private capital should have a more meaningful role in our housing finance system. The dominance of government backing means the market has shifted away from relying on private companies to assess and manage mortgage credit risk;
BEST 2ND TRUST DEED NOTES IN THE LAND.
It has long been stated by financial analysts that one should have at 6 months of living expenses set aside in the event of a job loss during a recession. MPM offers equity lines of credit and cash out 2nd TD notes on a 30yr fixed rate basis. Call 619-390--4042 or write today for details at mesapac@cox.net.
11/03/2022
ALONG THE MORTGAGE TRAIL
FNMA wholesale 30yr. fixed-rate mortgage auction results: 6.64%, UP .18% following Fed announcement yesterday, and reaching way back in time to match this rate posted on 07/19/2006 (wow!). As shown in the next column, the MBA purchase loan index was riding very high back then, meaning lots of real estate activity across the nation (albeit spurred on with non-qual programs that defied underwriting logic). Back then in San Diego, the median sales price was $585k vs $887k today. Given 20% down on those figures, housing expense in 2006 would roughly be $3800/mo., a figure similar to what was common a year ago at 2.87% rate on an $877k purchase price. Today, it runs at $5726/mo. and that's with $175k down payment ! The trail would certainly seem to end here in S.D. for most first-time buyers seeking detached SFR, but there are over 120 manufactured homes and 20 attached homes currently listed under $300,000. All in all, this demonstrates how the Feds created an easy street QE open door for past borrowers, propelled property and stock values in return for the inflation of today and tomorrow.
11/02/2022
RIDING ALONG THE ALGORITHMIC TRAIL?
FNMA wholesale 30yr. fixed-rate mortgage auction results: 6.46%, about the same as last report on 10/12/22, but this before Feds say more to come after .75% hike on discount rate (see hourly rate monitor above). Stockholders/money managers no longer seem to think for themselves, as the DOW's weekly increase rose the highest since 1989, and then yesterday over 320pts on the ADP payroll report, then fell some 480 pts soon after for an 800+ swing after Fed Chair Powell said more increases to come. ADP private payroll report came in with solid numbers of 247,000 new jobs, except that it was predominately low skilled leisure and hospitality (arts, entertainment, recreation, accommodations, and food service) that gained 210,000 of this total while goods producing sector lost 8,000. According to Fox News reports, and the Administration acknowledged this, there will be a whole lot more idle goods producers as the nation faces a 20 day supply of diesel fuel, and diesel delivers most all of the goods here in the U.S. (yipes!). Top that off with the seemingly relentless drive by NATO to start a war with Russia, and the Administration slammed a letter by 30 Democrats urging that the U.S. initiate peace talks with Russia. Early Russian reports are that the text messages prove the U.K. blew up the Nordstream pipeline, all of which seems senseless unless the directives and goal is fashioned by a higher force that believes out of chaos comes control. Is someone also behind the curtain setting algorithms on price movements, keeping stockholders staring at wild trading prices, both up and down, following the bouncing blip on the screen?
REPO MANIA
According to Investopedia, "Repos are typically used to raise short-term capital (for purposes of liquidity). They are also a common tool of central bank open market operations." This chart shows a dramatic increase in this activity on this Fed repo chart The figures are in billions so the numbers are around 2 trillion in overnight lending, likely trying to balance out ledgers of large banks and brokerage houses Consider these latest developments:
The Federal Reserve Banks have extended $6.3 billion to the Swiss National Bank through the Dollar Liquidity Swap line.
That’s after swapping $3.1 billion last week, with Credit Suisse announcing shortly after last Friday that they will buy back up to 3 billion Swiss francs ($3 billion) of debt after credit default swaps skyrocketed for the bank.
Couple that with this story:
ZURICH (Reuters) -The Swiss National Bank lost 142.2 billion Swiss francs ($142.60 billion) in the first nine months of 2022, it said on Monday, as rising interest rates and the stronger Swiss franc slashed the value of the central bank's foreign investments.
The loss - the largest in the SNB's 115-year history - was slightly more than the annual economic output of Morocco ($132 billion), but the central bank does not face bankruptcy thanks to its ability to create money.
The SNB made a loss of 141 billion francs from its foreign-currency positions as the bonds and stocks bought during its campaign to stem the appreciation of the safe-haven franc slid in value." So we have two central banks loaning to one another that can simply create their own money. Problem is, as rates go higher, the lower the value of their massive bond holdings, so more debt (ie, printed promissory notes called the Swiss Franc and U.S. Dollar) will be needed to pile on to existing debt to pay the interest on the debt--and then there is the massive derivative market, a fancy word for debt, that some estimate are in the quadrillions.
One can only hope a new and better trail begins when this one ends (see WEALTH TRANSFER--3rd Column)
COMMERCIAL R.E. HEADS UP?
Maybe someday commercial real estate will look like a good bargain, but as debt service from higher rates eat into cash flow, recent high flying prices that are also based on future rent increase projections have come to a screeching halt. Rental surveys for the 3rd quarter have yet to arrive, but word is businesses and residential tenants are having a rough time living up to glossy economic forecasts. In commercial real estate, cashflow is king and determines the market value of a property, regardless of past sales:
A new report from Moody’s Analytics CRE signals an ominous inflection point for commercial real estate: nearly a third of new CMBS issuance was afflicted with negative leverage in the third quarter as interest rates surged.
According to Moody’s, about $5.5B of CMBS—equivalent to about 28% of the mortgage-backed securities that were issued in Q3—were symptomatic of negative leverage in which the cost of debt is exceeding projected returns on investment, including projected rent increases.
This represents a huge spike from the 8% of negative leverage in CMBS detected in the second quarter and a quantum leap from the Q3 2021 level of 2%, Moody’s reported.
Moody’s said it was seeing a spike in negative leverage across asset classes, with the largest jumps seen in the industrial (35.9%) and multifamily (30.8%) sectors...“Negative leverage will most immediately translate to lower loan-to-value (LTX) ratios, a slowdown in lending and trading volume, and ultimately downward pressure on asset values. This, by the way, does not apply to 1-4 residential rental units, which is a safer investment going forward.
10/12/2022
FNMA wholesale 30yr. fixed-rate mortgage auction results: 6.47%, UP
.29% from October's start, and
higher by .84% from September's average (and higher still judging from the rate monitor above). We have to go deep into our monthly tracking to find yields this high, and ironically, on
08-02-2017 is that data point. Ironic because that's when we mortgage brokers saw sub-par lenders starting to close their doors in unison, and the beginning of the mortgage meltdown. We long wondered who would buy these high risk loans with close to zero underwriting standards. Long after the dust had settled, our office was asked to audit files that went bad and where borrowers lost their homes. Granted, these loans had little to no security, lending at 100% of value and no requirement to prove income with poor credit to boot. One look at the loan list in the bundled packages sold to Fannie Mae, who didn't buy these high risk type of loans, showed that they were slipped in with the quality loan bundles, and sold all over the world. This would have been easy to spot if government auditors at SEC or large private credit rating companies tasked with reviewing these securities had not been asleep at the job, but all of them asleep at the same time? Or paid to look the other way. If this was part of the plan to take down the global financial system, it was a great start.
09/26/2022
FED EXPERIMENT GOES BUST
FNMA wholesale 30yr. fixed-rate mortgage auction results: 6.26%, UP a whopping .4% from Thursday, and UP 1.41% from August average, even when the Fed balance sheet shows they bought $5.287 billion of these mortgage-backed securities in the week ending 9-14-22, bringing total holdings back to 5-11-22 levels (read more)
09/01/2022
Sign Post Up Ahead: WRONG WAY—DO NOT ENTER
FNMA wholesale 30yr. fixed-rate mortgage auction results: 5.33%, up .11% from yesterday, stair stepping UP NEARLY 1/2% from August averages, and back to levels not seen since the FED's very brief foray into quantum tightening, when they backed off from buying these mortgage-backed securities with plans to sell to the open market (read more)
08-10-2022
TACKLING INFLATION BY FIAT WITH FIAT/ "LET IT BE DONE"FNMA wholesale 30yr. fixed-rate mortgage auction results: 4.72%, up .22% from July's average but still nearly 3/4% below the level of rate increases that followed in June after Fed attempt at quantitative tightening to rein in inflation. But where Feds fail, Congress succeeds by fiat, (fiat: [noun] a command or act of will that creates something without... further effort. Latin for "let it be done,"). This Congressional hat trick is performed with the creation of even more new fiat Dollars, which is the root cause of inflation to begin with, and testing the IQ of citizens, dare call the bill The Inflation Reduction Act of 2022. So, in line with Pharoah Ramses famous quote of ancient times, "so it is written, so it is done." Of course, names can be deceiving and have opposite effects,
07-29-2022
ON THE QT FAILED BETA TEST
MONEYPOX STAGFLATION AHEAD?FNMA wholesale 30yr. fixed-rate mortgage auction results: 4.55%, DOWN another whopping .56% from July 11th, and lower by .06% from the 06-03-22 report below when Feds announced quantum tightening (QT) to begin the following week. Read more...
07-01-2022
PEELIN' BACK THE ONION?
FNMA wholesale 30yr. fixed-rate mortgage auction results: 4.91%, DOWN a whopping .50% from the year's high, reached on 6-14-22 at 5.43%, which was a milestone daily rate not seen since 11-24-2008-- a time period before the economic term quantitative easing was born, and right before the Great Recession really hit home. Read more...
06/03/2022
THIS JUST ON THE Q.T.: A TITANIC UNDERTAKING? FNMA wholesale 30yr. fixed-rate mortgage auction results: 4.61%, down .10% from May's average, as these yields don't tell the full story if the Feds carry out their quantitative tightening beginning Monday. This QE ship set sail back in 2009 with Fed Captain Bernanke at the helm coming up with what first appeared to be an ingenious plan to get a grounded economy running again by fueling it with low interest rates--without the burdens associated with borrowing on the open market or raising taxes to pay for it! Read More..
05/02/2022
MAY DAY...MAY DAY...CACHE 22
FNMA wholesale 30yr. fixed-rate mortgage auction results: 4.78%, UP 1/8% from Friday, a rate not seen in these auctions since 04/23/2009, as April daily results drifted up methodically by nearly 1% from March average of 3.75%, and now a full 1% increase with today's results.
04/01/2022
FOOL ME ONCE? RUBLE RUMBLINGS OF A SEA CHANGE?
FNMA wholesale 30yr. fixed-rate mortgage auction results: 4.13%, backing away from a high of 4.33% reached on Tuesday, which matched 12/17/18 high, but still a 3/4% increase from February average, and 1.5% above December's average.
03/04/2022
MARCH MADNESS?
FNMA wholesale 30yr. fixed-rate mortgage auction results: 3.26%, .10% below February average, as Wallstreet focuses on the Fed punchbowl spigot, after Chairman Powell says only a minor increase coming of .25% this month. The DOW rose 541pts to 33,834 on the announcement as the audience applauds this referee's call that continues the scoring drive. While the games are televised, few have a clue that CGI techniques are being applied, as even short players can dunk the ball with ease.
02/04/2022
THE INVISIBLE HAND vs THE HIDDEN HAND
FNMA wholesale 30yr. fixed-rate mortgage auction results: 3.13%, UP .14% from January's average. While the market expected 150,000 new jobs, the government says there were over 3 times as many at a whopping 467,000. Missing by that much is very strange, but stockholders went along with it. Way stranger still...
01/07/2022
SLIP AND SLIDE INTO 2022 (?)FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.90%, UP .31% from November and December average levels, as bond melt-down begins.
t, as usual, showing how to pay for it.
02/06/2021
QE3 SQUARED: TO INFINITY AND BEYOND? / ON A MAGIC CARPET RIDE (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 1.99%, ever so slight increase on January's average of 1.98%, as Feds continue to keep a lid on mortgage prices with their Midas touch. While everyone in the financial world offers predictions of the new year, much is based on scenarios so here are the potential flight patterns described like a new Disney ride:
Passengers. Please decide which trip you have selected and pickup your boarding pass at the gate:
Gate #1 requires a crash helmet for riders and offers a return to times of the pass, though the accumulated debt since 2010 is quadruple that, and accelerating like rocket man flying off to a new magical adventure, but this adventure ride has a finite journey when money is created, not by the production of goods and services, but by the movement of a decimal point to increase cash holdings, much like having $1,000 in savings and overnight goes to $10,000--a magical moment. However that magic ends due to the realities of the economic forces involved in just creating money on a wish: that $10,000 now buys you a 3 day solo trip to Disney World. Interest rates rise from inflation (mortgage rates were as high as 14% in 1984) and puts that home purchase out of reach.
Gate #2 also requires a crash helmet where governments all over the world attempt to stop this erosion of the purchase power of the Greenback (and other currencies) by creating a one world digital crypto currency. They claim it cannot be controlled or manipulated--like moving the digital currency supply another decimal point over--or so they promise. Carpet ride ends in a second heap next to Gate #1 exit, closing down the park.
Gate #3 requires seat belts for initial bumps in weeks to come followed by a complete overhaul and cleansing of global archaic systems that have corrupted and bankrupt nations over time--and the replacement stabilizes systems and creates a future of prosperity for all.
All aboard!...
01/12/2021
IDES OF MARCH COMES EARLY/
ET TU ALL OF YOU?
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.00%,
slowly rising from January's start at 1.88%, as the most tumultuous election in our lifetime comes to an end, but the end becomes the beginning. Stocks are hitting new highs (DOW up 31,068), and the credit markets continue pumping out record low rates, seemingly oblivious to what is happening behind the scenes. In ancient times, Senators in Rome were plotting treasonous actions behind closed doors. "It would soon be over for Caesar," Brute whispered amongst his peers all huddled in their chamber. And yes, as in ancient times, all roads lead to Rome, and this one document attached below tells that tale for the Ides in 2021. But unlike history repeating itself, the Centurions are at the Gates under the command of Caesar who knows of their plotting, and it is the Senators who are destined to fall on their own knives. When the die is cast, and history records the events unfolding now, what will market scribes scramble to notate? "Darkest before The Light?" he hastily writes.
12/06/2020
TRANQUIL WATERS IN A DIGITAL WORLD (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 1.90%, as these auctions flatline and held at bay by Fed purchases with money created digitally. There's something else in the air outside of viruses that is slated at a Davos meeting right as someone is being sworn in as President of the U.S. Perhaps that's the reason for the timing of this meeting discussing a global financial reset. The markets aren't discussing this just yet since much is in the air on who and what, and why, but "digital" is a clue word that likely won't go away.
10/13/2020
TRANQUIL WATERS (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 1.95%, almost exactly the average for September returns, and up about 1/8% from August average, as there's hardly a ripple here all Summer long. As comforting as that may be on the surface, below it is a continued expansion of Fed printing habits necessary to keep these mortgage rates in check and Federal government operating by financing huge budget deficits. This is because roughly one-half of the Federal Reserve balance sheet is composed of Treasury debt with the other half represented as purchases of these vary mortgage-backed securities. The chart shows how these purchases sky-rocketed starting Mid-March, coincidently on the heels of CV outbreak, from $4 trillion to $7 trillion. But the good news here is at least the funds are helping homeowners reduce their debt load with lower refi rates, and incentivizes buyers into the housing market, freeing them from rising rental rates. The other half of the balance sheet is covering Congress's emergency spending and long-term inability to cope with ever rising budget deficits. How this ends will likely involve more than just ripples but some analysts say it will spell a new beginning, just around the corner in 2021.
09/10/2020
NO GAIN WITHOUT THE PAIN (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 1.95% rising slowly each day in September and increasing by .10% from August averages, even while stocks tank (DOW down 405pts to 27,534). Analysts say investors are get a sinking feeling that a trillion plus government stimulus package isn't going to happen anytime soon. If that's the motivation, then the stock market is living off temporary government assistance programs just like the credit markets obviously are doing with these artificially record low rates (see previous reports below on this). The operative word is "temporary" and direction looms large on election outcome. On the optimistic side, the line that might best describe from here to there is: no gain without some pain. Will the pain of 9-11 anniversary tomorrow reveal big changes to come or wait for the October surprise?
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8/14/2020
STOP THE PRESSES (NOT)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 1.84%, up only .05% from 8-11 report, but the shot heard around the national mortgage market added about 1/4% to mortgage prices on 8-12. . So we know lenders have been pricing their loans much higher than these wholesale prices to offset losses from delayed mortgage collections, but now Fannie Mae and Freddie Mac, who are being led toward independence from government ownership control,, say they too need that margin increase to offset mortgage payment delays and potential defaults down the road. Of course, that's ok with the Feds since they have unlimited Dollar printing abilities. But maybe this a foreshadowing of things to come in the world at large when countries say they want more bang for the Buck when they covert their currencies to the Dollar to protect from future declines in the Dollar's value.
RATE LOCK IN ADVICE: This has the looks of the end of the road for mortgage rate declines so best lock in soon.
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08/11/2020
ROCKET, MAN PROPELLANT/ or STOP THE PRESSES (NOT)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 1.79%, up a slight .01% from the opening, but losing ground during the session as the rate indicator above demonstrates. A trillion here, a trillion there, and next thing you know your talking some serious money. Easy way to write it down is to remember there are 4 sets of 3 zeroes after 1. The chart here on M-2 (savings) after all this printing shows supply running in Space X missile trajectory at the start of 2020, no longer following the gently rising hillside landscape scene over the last 25 years. That 18,400 posted as the latest entry is in billions, which has 3 sets of zeroes, which registers an explosive economic propellant of 18.4 trillion dollars, an increase of 3 trillion in just 6 months. With all this cash thrown at the markets (including Fed purchases of these mortgage-backed securities), any wonder why real estate prices here in San Diego shot up in July?
07/10/2020
SHOT IN THE ARM (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.02%, down a notch from yesterday and about 1/8% from 7-1, as these rates continue trickling down to lows that briefly touched down for a week or so in 9/2012 before turning up quickly, all the while the Feds were in full buying mode of these mortgage-backed securities. As the lender of last resort, the Feds are now the buyers of last resort of these securities to hold the rate down. Granted this massive shot in the arm gives a temporary fix, but putting its balance sheets way up, holding these securities and treasury debt to a staggering $7 trillion dollars. Since money doesn't grow on trees, the next best thing is to print it (actually just move some decimal points to the right and save on paper). Will the old definition of inflation get used again: "too much money chasing too few goods?" And with inflation comes rising interest rates. Best to lock in while the gettin's good.
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06/04/2020 2:00 PM
WORM TURNED (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.38%, up .10% from Wednesday and that much higher against April and May's average. If there was a target for these auctions, induced by Fed purchases, it's 2.28% or there about. That's the price investors get when buying these fixed-rate mortgage securities, which seems like a good buy vs 10yr. treasuries at .8%. But that was before the latest unemployment report today showing it had dropped from 20% to 13% just in 30 days. Stocks took off (DOW up 829 pts to 27,110), attracting investors away from these smaller yields. With overblown fears of a deadly pandemic abated, many analysts outside of mainstream media figure a new act has just been tossed onto the stage in hopes of continuing fear and anxiety--perhaps all the way to the elections. Others see these bad actors getting rounded up. This 3rd party spreadsheet tracking all district court recordings count an incredible amount of sealed indictments totaling over 148,000, and one indictment can have multiple individuals named.
05/24/2020
BRAVE NEW WORLD (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.26%, back to May 1st level, after reaching a new low of 2.20% on 15/15/2020. If Rip Van Investor had been asleep for one year and woke up to a yield on a 10yr. Treasury note at .63% from 2.30% back then, and went to his local bank and was stopped because he wasn't wearing a mask (when it normally would have likely triggered a silent alarm and a police escort out of the bank), he'd think he walked into the Twilight Zone. From a booming economy and record low unemployment, to Depression levels of 20% and businesses banned, he learns it's all from a flu virus. In San Diego, he reads a chart today displaying 220 deaths and California has 3630. He whips out his calculator and divides 220 by 3,325,000, the population of San Diego County, and gets .0066% death rate. In California, with a population of 40,000,000, the figure is .009%. Wondering what's a good baseline, he figures about 40,000 annual deaths on the highway and divides that number by 330,000,000 people = .012%. So the chances of San Diegans dying from Covid-19 is almost half that of driving on the highway. He fumbles his calculator and reaches for his pace-maker that's missing a beat, and reminded that 500,000 Americans die each year from heart attacks. His calculator says that's a .15% death rate, and keels over and back to slumber.
BRAVE NEW WORLD 2020 SCI-FI(?)
What once was required reading in high school, these two books are gathering several decades of dust on them. Summary from Sparknotes: "Like George Orwell’s 1984, this novel (Brave New World) depicts a dystopia in which an all-powerful state controls the behaviors and actions of its people in order to preserve its own stability and power. But a major difference between the two is that, whereas in 1984 control is maintained by constant government surveillance, secret police, and torture, power in Brave New World is maintained through technological interventions that start before birth and last until death, and that actually change what people want. The government of 1984 maintains power through force and intimidation. The government of Brave New World retains control by making its citizens so happy and superficially fulfilled that they don’t care about their personal freedom. In Brave New World the consequences of state control are a loss of dignity, morals, values, and emotions—in short, a loss of humanity."
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May 1st, 2020
MAY DAY A RECORD DAY
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.26%, slowly creeping down over the last 2 weeks, 1/8% lower than April's average to an all-time record low.
While these wholesale prices look amazing to see, retail lenders see risk in closing the loans, only to have some go delinquent before even selling to Fannie Mae or Freddie Mac, as borrowers line up asking for forbearance. This higher risk translate to lenders padding their prices and instituting tighter guidelines. Major corporations are forming a different line, putting up corporate bonds sales estimated at $240b to pad their reserves in case business doesn't bounce back soon. Billionaire Elon Musk isn't following the narrative for continuation of shutdown:
Musk did not doubt that there was a public health issue at large, but he felt allowing governments to end all economic activity as a means to safeguard health was Orwellian, to say the least.
“The expansion of shelter-in-place, or as we call it, forcibly imprisoning people in their homes, against all their constitutional rights, is, in my opinion, breaking people’s freedoms in ways that are horrible and wrong."
04/13/2020
SQUEEZIN' BLOOD OUT OF A TURNIP (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.34%, down .03% from last trade day on Thursday, lowest this year, and since the average of 09/2012. Back then on 9/12/12, the Fed announced the purchase of $40b in these mortgage-backed securities on a monthly basis, which produced 2.33% average for that month. Today, for the upcoming week, the schedule calls for roughly $19.5b. Assume that is the pace over the next 30 days, the figure adds up to $78 billion, nearly double the amount the Feds threw at the market in 2012. Will rates fall further? With the companion 10yr Treasury yielding a miniscule .732%, a historical low, it would seem there really isn't much lower the market could go.
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04/07/2020
DEATH OF THE FEDERAL RESERVE IS GREATLY EXAGGERATED (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.46%, up a slight .01% from yesterday, staying in a narrow trading range, aided by FED purchases of these mortgage-backed securities. For several years now, the Trump Administration has wondered what life would be like without the Federal Reserve. Considering it is a privately owned (not publicly as we all once assumed) institution, and the owners own the 12 very large member banks, they get to instruct the Treasury to print money and give (loan at very low discount rate) to their own member banks, who loan it out at higher rates and also invest in stocks, bonds, and other securities. Nice work if you can get it. This group was established in 1914 to provide stability in the markets, but the track record, as famed economist Milton Friedman once said, is not a good one.
Economist Thomas Sowell explains why he agrees.
Other nations prefer to steer clear of this kind of private control by a handful of elites and some are choosing to trade in other currencies outside of the "Petro-Dollar." fearing the potential of a weakened Dollar from unlimited printing. Recall there once was a closely watched index call M-2, money supply measurement to monitor inflation potential, but few mention this anymore. The charts say maybe we should. M-2 over the last year grew by 6.8% but GDP grew by less than half of that so that other half doesn't represents the result from goods and services produced and sold. This chart shows growth from 1959 to present and note it took 40 years for money supply to grow to $5 trillion, but this doubled from there in half the time to over $15 trillion. Purchasing hard assets like real estate (while rates at historical lows), gold, silver and other precious metals would be good ways to defend against what is bound to come sooner or later.
04/01/20
APRIL FOOLS RUMORMONGERING (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.48%, up .10% from yesterday, exactly even with March average, as stocks drop (DOW at 21,168 by 750pts) due to more fears of virus projections, while a real war lies below the surface. What if the virus ends up killing less people than the 80,000 who died here in U.S. from a common flu in 2018, and is a smoke screen to eradicate an enemy described long ago by John F. Kennedy in his speech warning about the dangers of secret societies? What if these secret societies with nefarious goals own and control central banks around the globe, and Trump Administration just closed one of their head quarters here in the U.S. known as The Federal Reserve (a privately owned corporation who are also owners of its member banks)? What if all communications are shutdown for 3 days as part of a global roundup of what's known as New World Order Cabal? What if all of this is one big April Fool's joke?
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03/27/2020
COMPUTER VIRUS OF A DIFFERENT SORT (?)
FNMA wholesale 30yr. fixed-rate mortgage auction results: 2.41%, down .03% from yesterday, with the hour glass trend indictor above saying it's getting better all the time and likely beating the lowest return in 2020 and back in September 2012. Stockholders thought the same, and got off the mat, rising after last week's knock-out punch (DOW up 20% in last 3-day run), running around the ring like Rocky Balboa unchained, but got decked this morning (down 719pts at 21,815) with news headlines saying more in U.S. inflected than China's total. CDC says there were 80,000 deaths in the U.S. in 2018 from the flu, or 219/da on average, but did anyone notice except next-of-kin? While hospitals and clinics have lines of panicked people awaiting testing to see which kind of flu they might have, this new one, though more contagious, has killed only 1300 so far. Some analysts call the real threat a "computer virus," like digital communications spreading panic and fear electronically via TV sets 24/7 throughout the world-- one that could endanger the global economic system by continuing the status quo. Far more deaths and misery, they say, would occur similar to the '30s depression. President Trump is calling for a return to work following Easter Sunday, and have the 20% most likely threatened--the elderly and those with impaired immune systems-- continue self-quarantined at home.
While lenders are slow to jump on this latest movement until a series of new lows register, best to get loans in process, awaiting solid movement lower. When businesses re-open, it's likely these record lows will be over.
Some are indicating this virus strain is showing signs of weakening, so the best bet is to
get your loan in process, as it is one of the few things a homeowner can do while self-quarantined at home. The optimal results could be a potential waiver of appraisal to avoid appraiser house calls, a lower monthly payment, and cash out to stockpile 6 months of living expenses, as it could be a rocky road from here. Call or write today to see if you qualify for appraisal waiver via Fannie Mae or Freddie Mac automated approval--for free. The worst case scenario on mortgage pricing was a real one for one day, and summarized below (see No Free Lunch).0_
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1

RESIDENTIAL SALE TRENDS~
San Diego Market- Sneak Preview of
February Trends
03/10/2023
BATTEN DOWN THE HATCHES?
While average and median sales price took a turn upward, the stand-out chart is closed sales, which is rummaging around the worst of times in 2009. but for different reasons. Would-be sellers likely ask themselves where to go from here? And then there's that instinct of something coming.
January Trends
02/09/2023
UP THE DOWN STAIRCASE?
The chart on the trajectory of detached sold listings over time shows a stairstep down to the very bottom where records are kept, and the figures now show the number is hitting a modern-day basement record low at 882, and down 37.2% from last January. Still keeping a very small stairstep above January last mark by .5% is the average sales price of $1,183,368, albeit the chart on median price continued it descent since April's all-time high. Pending sales of 1,177 will likely lift this market out of the basement in February, as will a 13.7% increase in active listings at 1,653 help March figures. The days got longer for sellers, rising to 43 on average before going into escrow, but a far cry from L.A. County, now up to 56 days. More affordable homes found in Santee and Lakeside went fairly quickly at 27 days. Volume (value x # of sales) dropped 36.4% from last January to $1.08 billion, compared with all-time high of $3.03 billion in June, 2021, but there is no sign of recession in these numbers, and just a handful of bank foreclosures compared with 83 in L.A. County, which is still relatively small having 3 times the population.
December Trends
01/05/2023
PREMATURE TREND LINES ?
While it may be easy for a statistician to add a couple decimal points to the final jobs figure, the MLS data relies on the input of thousands of agents and also individually documented in public records. It's a given that sales prices always decline from Summer to Winter since fewer sellers in higher priced areas want to deal with the hassle of selling during the holidays while buyers tend to buy before school season and need to get enrolled before September. Nevertheless, the charts show that the small nuances of this in the past is now a nosedive in both pending sales (935) and new listings of 745, both setting new record lows, which will hardly bode well for January sales. Couple that with chart on the number of sold in December at 988 which were 50% below last December, closing in on a modern-day record low of 897 in January 2008, it's not looking good kicking off 2023. While both average and median sales prices did keep ahead of December last by roughly 2%, no matter which chart you read since 2004, the trend line that most resembles the current descent from the top (a 13% decrease from the record high in April of $1,000,000 median price to $870,000), happens to track only one descent this steep that started July, 2007 of a 14% decline. Now each have different reasons: July of 2007 was the start of the mortgage meltdown where the over-stimulus from never-say-no programs of 100% loan-to-value loan programs, with nearly zero qualification requirements, got shelved as delinquencies shot up as a result of flimsy underwriting. Buyers were so excited about flipping not just one home but two in a year for profits, they didn't figure how many months of payments their "stated income" would cover. That over-stimulated market had it's roots in 1999 deregulation of banking allowing the banks to invest deposits into the derivatives markets, and government zeal to get minority ownership levels higher at the cost of weak to little qualifying standards. To make a long story short, leveraging debt with more debt (ie, derivatives) and complex insurance coverages on lenders' perceived limited exposure fell apart, triggered in part by Lehman Brothers bankruptcy, and this house of credit risk cards felt apart leading to a serious recession. While more months are needed to confirm this descent, it too has much to do with government over-stimulation: From below market rates induced by Fed purchases of mortgage-backed securities over the last 10 years called quantitative easing (QE), to these higher rates that start to be more in line with inflation, driving up monthly housing expense.
If that's the limit of damage, a market slow-down and partial decline of home prices, then this no big deal. However, reports are, and reported earlier here, that on a global scale, derivatives have soared with some estimates in the quadrillions
Is this worn out and corrupted system about to fall under its own weight, and be replaced by a much stronger one, backed by gold and resilient against corruption? Many in the alt-media say "yes." But first the fall of the old guard along their system (see Rumor section in 3rd column)
GOT BOTS?
if you don't mind being followed around in search of properties, then you will welcome the coming of robot bots:
The use of advanced real estate bots will be widespread in 2023,” he said. “These bots include chatbots, virtual assistants, and voice bots. They will facilitate communication with customers and provide quick and accurate assistance. With these bots, real estate agents can effectively and promptly communicate with their clients and provide them with clear and relevant solutions.” In other words, the more you search on separate sites like Zillow or Realtor.com, the more bots will be contacting you-- bots that answer questions by asking questions like "I don't understand. Could you repeat the question?" Since every site is a redundant view of existing MLS listings, you only need one where you set your search parameters and the system automatically generates new and changed listings. If you have questions, you simply email back to the agent that set up the search. With Mesa Pacific, and knowing your down payment parameter, you can also receive a quick loan summary of costs and monthly payment AND answer any questions about a property. Buyers also receive cash rebates that average $5000 when using our services. For a list of properties that fit your criteria, contact Mesa Pacific today and beat the bots.
If you are looking to sell, get your free property analysis today and see why you do not need to spend $12,000-$20,000 more in listing fees with MPM. This diagram tells it all.
For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
12/02/2022
NO SIGN OF KATIE AT THE DOOR IN SAN DIEGO
If volume speaks volumes from last month's data, then November doesn't look all that bad at $1.955 billion when totaling all detached sale prices, but when totaling actual closed sales of 1,029, the chart shows we are getting very close to January 2008 level, a pretty bleak time with the mortgage meltdown kicking in. But that's where the comparison ends as borrowers since that time had to meet strict underwriting guidelines compared with virtually no guidelines in many cases from 2005-2007. The same goes for pending sales at 1025. Both of these numbers are roughly 47% lower than this time last year! These thin numbers have little to do with thin inventory, as there are 2,582 active listings, 60% higher than last November. No doubt the drop in sales activity has much to do with the doubling of interest rates over the last year from 3% to over 6%. This makes would-be sellers better off staying put with their low mortgage rate they obtained over the last couple of years, unless they're moving to lower cost areas in the nation. Hopefully, the .65% drop in mortgage rates in the last 30 days will change those numbers for the better, and it's already happening on a national basis as MBA tracking of purchase loan activity rose 3.8% in the last week. Sellers had to cave a bit more on their list price cutting price 6% more from last year, but median sales price was still up 3.4% higher at $885k and average price increased 2.6% to $1,161,900. While days on the market still look very good at 34 compared with L.A. County of 48, it's no longer the blistering pace of 24 days last November before rates took off. The statisticians on the charts shave off the numbers on active listing days on the market for all detached listed properties, but the real number is 66 days. Each area naturally varies, which is why a seller needs to be presented with stats in his/her immediate area and see why certain properties are sitting longer on the market. Usually, it's the condition or the high-flying list price that does this. Get your free analysis today and see why you do not need to spend $12,000-$20,000 more in listing fees. This diagram tells it all.
PROPERTY PEEKS
How close is too close to La Jolla beach? This one for $28mil edged out others in proximity The skies the limit on this home in La Jolla, that is over the top limit at 1028 days on the market for this 1280sqft home asking over $4mil. Pricing at play here for a long stay on the market?
PARADISE FOUND: Want to get out of Dodge and away from crowds? This 4bdrm/3ba home is 3313 square feet and sits on 2.3 acres in a semi-rural area known as Eucalyptus Hills but only 20 minutes from La Jolla Shores. With priceless panoramic views, It's priced at slightly higher than average sale prices here in the County. Call today at 619-390-4042 or email at mesapac@cox.net to take a look at the details.
October Trends
11/02/2022
SIGNAL CALLIN' ?
"41,44,44,44 hike!" might have been called out by the quarterback in a recent game, but these numbers represent a different set of signals being called out from the latest sales report: 41% more active listings, 44% fewer sold, 44%, fewer pending, and 44% less volume sold (total value of sold properties), all comparing last year's October sales. While signaling a sharp downturn, the charts show average sales price of $1,189,078 managed to gain a yard or so and stay ahead at .8% from a year ago, and median price at $887,000 was 3% higher; but clearly the double-digit gains of many months have come to an end and the game begins in holding the line on last year's yards gained. Nationwide, one chart tells it all in the activity index for purchase loans.
September Trends
10-08-2022
The graph of active listings with the last entry of 55 days as of 9/26/2022 was in error. While it is true when pulling data directly from MLS listings, apparently statisticians on monthly reports remove the lengthy listings which represent less marketable properties from their data findings. The average on their findings is 31 days, still 41% higher than last year, but not considered a significant slowdown. This month's data is nearly ditto for last month with median sales price at $915k, up 7.2% from last year, $1,173,188 on average sales price, but only a 2.7% year-over-year gain. Of significance is active listings are up 28.4% from last September at 2,956.
09/26/2022
MARKET HITTING THE BRAKES?
A simple graph of current active listings tells the tale, as average days on market zoom past those traditionally slow months of January, shooting up from 28 days last month to 55 today. Sellers that need to sell will likely need to lower the asking price to get moving. With mortgage rates continually on the rise, trends won't be reversing anytime soon. 09-03-2022
August Sales
NO RECESSION IN S.D. SALES DATA
San Diego skipped a recession back in the early1990's due to a variety of industries based here, (government defense and subcontractors, bio-med, technology companies, etc, and the latest sales data seems to reflect a buoyant market of buyers, not impacted by layoffs and rising mortage rates--just yet. Both median and average sales prices continue to stay ahead of last year at this time, both 7% higher at $910k and $1.20mil respectively. However, the charts show both took an early turn south this Summer, and that $1,000,000 median price marker in April will no doubt remain tops for 2022 as will the average s/p of $1,342,000 in May. This doesn't necessarily mean a home purchased in May is worth less today, but the bidding frenzy reflected in this chart on contract price to listed price that reached an all-time high in April could have something to do with all-time highs in sales prices, putting a special premium on some bought back then. The market has now settled back closer to normal s/p to list of around 96%, but still doing so fairly swiftly with average days on market of 28. Pending sales might be down 31% from last year, but at 1,612, if they survive the recent rate hikes, will help push closed sales numbers in September. While the number of sold prices are still tracking in those slow Winter months of the past, volume of sales at $2.463 billion from these high-flying prices keeps the tax assessor's office smiling.
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $5,000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
July Sales
CHRISTMAS IN JULY?
While average and median sales prices ($1.262 mil +9% over last July, and $969k a 10.7% increase respectively) are those gifts that keep on giving to sellers and homeowners in general, agents feel the chill of Winter months closing in on them. For instance, if sales were down by 43% from last year at the height of the sales season, managers would frown, as no company or industry could cheer. Even at these high sales prices, the volume of sales is down 37.7% from year's last, and pending sales look a lot like past winters. Granted this is not a stumbling market, even with mortgage rate increases (albeit a sudden mortgage gift by the Fed to augment sales-see left column) as buyers still swoop in with speed, as average days on the market registered a speedy 23, but not without bartering on the price. Suddenly, instead of bidding an average of 6% over list in April, the figure has dropped closer to normal at slightly less than list price. More sellers have decided to grab this gift while the gettin's good, as there are now 3,428 active listings, up 24.5% from last July. This naturally would help reverse sales trends for September-October. Chart A, # of sold is down 43.3% from last July and resembles all along past January levels (save 4-20 when market traumatized), Chart B Pending sales at 1,449 down 34.3%, much like past winter levels, and completely unlike the typical highs of Summer sales. Home-builders across the nation could hardly find any comfort in the latest trends as their inventory is rising along with the inflationary cost to build, which puts a big squeeze on future profitable projects. For San Diegans, it appears that record for the median sales price value in April at $1,000,000 will stay intact for some time to come.
June Sales
07-03-2022
HOTTER THAN THE 4TH OF JULY?
All things considered, sales in June showed remarkable resiliency to mortgage rate increases, albeit 19% of the 1591 sold were cash sales totaling nearly one-half billion in sales volume, with average sales price of $1,628.423 (that's a heap of dough!). Sadly, total sales were 38% less than last June and chart seems to indicate it's downhill from here. Though more sellers are sensing it's a good time to sell with 23% more active listings standing at 2,998, pending sales at 1,418 won't be uplifting to sold data in July with 41.6% fewer than last June preparing to close in July. Days on the market stood on average at 20, still hotter than most years where 30 back a decade or so ago was considered fast. Average sales price took a slight downward turn at $1,297,000 from May's all-time record of $1,342,000 and that million-dollar marker set in April (see 5-01-22 Report below) remains the tops in the median sales data, but only slightly from June's $995,000 mark, but still 13.7% higher than June of 2021. This hot data seems poised to cool after the 4th of July celebration, considering active list prices have been lowered in many areas, frustrating supply bottlenecks, and some whiffs stagflation beginning to enter the economic arena.
06/04/2022
May Sales
OVERCOMING THE ODDS
While the median sales price didn't make it over that high hurdle mark of $1,000,000 set last month, it came a close 2nd at $990,000. That other featured stat last month of a 13% drop in pending sales in just one month, got a reprieve by reversing the fall from 1829 to 1865, yet still down 22% from May of 2021, due of course to that sharp rise in mortgage rates by 1% in April. Like hitting snake eyes twice, the average price this month at $1,351,650 and last 2 months were less that $1,000 apart ($342 off April's), giving the chart that straight line look. This a numerical feat only matched by last month's median s/p with exactly 6 zeros behind a one. Sellers have finally awakened to the call, possibly having visions of the future (see Market Sixth Sense below), as active listing finally turned north, taking us from a rock bottom record of a two week supply in 12/2021 to slightly over one month now.
Odds were against a buyer line-up after these rate hikes but the stats say buyers bid up list price by 4.7% and didn't wait around as average days on the market at 18 is still near all-time highs. How well this market navigates over the decisions and dilemma facing the Feds as outlined in the Mortgage Report will be what odds-makers live for.
April Sales
05/01/2022
MILLION DOLLAR MARKER: A TOUGH ACT TO FOLLOW?
Median sales price represents the mid-point of sales at any given time. So imagine if the mid-point is $1,000,000. Imagine no more as that is the latest sales data number for detached homes in San Diego County, up 19.1% from last year and a new record high. Buyers were still breaking the all-time record for making offers 7% on average above list price, helping lift market prices once again to an oddly even figure of $1,000,000. While that eye-popping number doesn't suggest higher interest rates put a dent in sales, several areas do reflect a negative effect: pending sales chart shows a drop of 19% from April last year, and down to 1,858 from March's 2,143. a whopping 13% decline in one month, uncharacteristic in Spring annual cycles outside of April, 2020 during pandemic fright, which plunged to 1,307. Then we have sold detached chart, which never turn south in April (2020 being the exception), took a turn for the worse at 1,844, down 21% from last year, and down 5.8% below March numbers. Now this one month big-time drop in pending sales was occurring during the latest 1% run-up in mortgage rates over the last 30 days (see 05/01/2022 report in left column), while closed sales involved mortgage rates already locked into March levels- thus a lesser impact than what we likely will see in future sales. This new record marker is going to be a tough act to follow, it would seem.
04/03/2022
March Sales
PANIC BUYING ROCKETS PRICES
The overused March madness theme still has a place here in last month's sales action in San Diego County by just reviewing the almost surreal scoring stats. The charts on the median and average sales prices since December have that look of a rocket launch, with average prices of detached home skyrocketing 22% just from December and up 29.1% from last year at this time, hitting a new record high of $1,359,350 and median price of $980,000. Buyers snapped up properties in near record time (19 days on the market) and bid over the asking price on average by 6.6%, another record. Active listings are still in the tank at 1123, 42.6% below last year, leaving the cupboards looking nearly bare at 2 weeks supply. Pendings of 2129 and 1814 sold in the month help make that number shrink all the more. Of course, the fuel of record low mortgage rates providing the propellant for this rocket launch trajectory has gotten weaker when one considers interest rates have increased by 1.50% since the start of the year and half of that happened in last 30 days. That's a payment INCREASE of $2000/mo. on a $600,000 loan or an increase of $1860/mo. from 30 days ago. How many current pendings will get negatively affected by that and for sales going forward in April?
February Sales
March 5th, 2022
MARKET SIXTH SENSE ?
While everything is turning up rosy for homeowners who had that common sense to buy a home years ago, including that rose of yet another record high in both median and average sales prices, a whopping $915,000 (18.1% year-over-year increase) and $1,262,360 (21.4% increase) respectively, the lingering question is why have so many of the potential sellers, that are typically present in these annual cycles, disappeared from the market, and decided to stay put. While record low inventory here at just two week's supply as depicted on this historical chart for detached homes, can't really get much lower than this, the trend is not unique as much of the nation also is heading in the same low inventory affliction. Looking at the historical active listing charts on all property types we see it wasn't the fear of the pandemic that began in March 2020 that started this trend, which most analysts suggest, as it began in earnest back in September of 2018, not just with detached homes, but all home types. The economy had the highest GDP per capita in 2018-2019, so economic fundamentals were good. Comparing February active listings beginning in 2019, there were 13,389, which magically dropped to 5,625 in February, 2020 before the pandemic. That's a 58% annual decline. A year later during the height of the fear, the count was down to 3,456, a 38.6% annual decline, and now whittled down to 1,867 units of all types, a 46% annual decline. There are those who believe in psychic abilities in mass and one individual built a software that sorts internet wording and activities of millions of people that allow him to predict future behavior, at least as far as public moods go, so is this sixth sense at play here?
Use all of your senses and pick a company with steep discounts to sellers, rebates to buyers, and mortgage prices below all others by calling Mesa Pacific today and compare.
January Sales.
February 5th 2022
HIDDEN MYSTERIES OF THE MARKET?
It's another celebration for homeowners as the median sales price of detached homes broke new higher ground at $855,000, a 19.4% increase from last year, and edging out June-July all-time highs by $10,000. Same deal with the chart on average price gains of 18.9% from last year and new record of $1,190,250. Sadly, for buyers in the hunt and the thinning ranks of some 20,000+ R.E. agents, active detached listing shows shrinkage once again to a new record low. This phenomenon is not isolated to San Diego County as the chart for L.A. County, 3 times the population size of S.D., shows similar declines of 66% since January of 2018. Riverside chart shows the exact same rate of decline, going from 5,746 to 1929 in same time period. How weird is that? Orange County hit rock bottom at just 870 in December, with January decline from January of 2018 at 73%. San Diego tops the decline from same period by 87%. But weirder still is the mystery that shows up in this chart where active listings in S.D. collapsed by a whopping 43% in just 2 months (wIth no surge in sales), in the prime of the season starting July 2019, AND 7 months before the pandemic outbreak.
January 8th 2022
FOR WHOM THE BELL TOLLS? IT TOLLS FOR THEE BUYERS IN JANUARY
Yep. Based on the latest data, the shelves are virtually empty this January of SFR detached homes in all of San Diego County in the category once called Active Listings. As the chart suggests, it's hit a rock bottom low for these charts* dating to 2004 to just 914 properties. That adds up to another all-time low as this chart will show of a scant 12 days of inventory, down a whopping 60% from December last (a 6 month supply was considered to be a healthy balance). Unless these multiple listing machines are busted, it's far worse in L.A. County, three times the population of San Diego County, where active SFR detached listings per their CRMLS is a tiny 1,273. A city where you would expect sellers to be fleeing, and more populated than our County, shows 248 active listings in the City of Los Angeles (?) Homeowners should be grinning ear to ear as values hold up at near record levels. At $850,000 medium price, and 14% above this time last year, it's within earshot of the record tied in June and July of $875,000. Similar, but larger figures are reserved for the average sales price of $1.115 million, up 14.5% from December 2020, and slightly lower than the all-time high of $1.176 million registered in June 2021. Sellers of SFR detached, got what they wanted, and then some as percentage of list price to sold was an extra 2%, compared with the record of an extra 4.9% above list price was achieved last June. The number of sold homes at 1,881 is 15.5% lower than 12/20, while pendings will be giving no aid to lift sold data in January as they too are down 13%. The bell does seem to be tolling for buyers this Winter. Even the condo market is depressed with just 430 active listings. Perhaps the best thing for home buying shoppers is to hold off until the Spring and hope inventory shelves get replenished.
*(all S.D. data from SDMLSA but will verify with local offices this coming week
on this Southland listing phenomena)
November 5th, 2021
THERE SHE BREACHES!
Any wonder that sale prices have been back to double digit increases from last year when we see real inflation doing the same (see 10-18 report in right column)? The standout gain and a chart that could be framed was average sales price of a detached home, breaching at an all-time record high of $1,178,193, up 14.6% from October last as is the median price of $862,495. Sellers are still getting prices above list price (101.3%) as buyers continue rushing the purchase gates with average days on the market still extremely low at 22. As the chart shows, one infamous new record going back to 2004 is the number of active listings at just 1,723. Sold (2,024)and pending sales (2044) are almost identical and a guide to November closures. December is an open book with sales hoping to dodge the potential of a global debt bond explosion (see 10-18-21 article in left column).
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
August Sales
A BREAK IN THE BREAKING OF RECORDS (?)
While the median sales price for SFR detached was up 15.6% from last year at $854,000, it faltered a bit from July's all-time record high at $875,000
June Sales Data
07/04/2021
LIKE A BROKEN RECORD, RECORDS BREAK AGAIN~
A common measurement in home statistics over the decades is called Months of Supply, or how many months it would take to sell existing inventory. San Diego just eclipsed that measurement to days of supply of just 27 days. When 6 months supply was once considered a healthy balance and offered many opportunities for buyers to pick and choose, and negotiate price, that world has disappeared for now. The chart shows .9 months supply, and the decline started in earnest in August 2019, well before any viral fears. While San Diego is definitely in the lead in this category, nationwide this chart shows similar trends, dropping from 4.5 months in May 2020 to 2.5 May 2021. With the same frustrated bidders out in force again this month, negotiations on price hit a new record of 5% over list price in what is nothing short of intense bidding war for available properties. All that action naturally created yet another record in median sales price at $878,750, up just like last month by 29.2% from June of 2020. Up even higher by 35.3% is the average sales price of $1,180,152, assisted by the fact that 40% of all detached sales were over $1,000,000. This should hold up for next month as pending sales in this category are up 46% from last June to 806 homes. After the hiatus in sales following the initial viral fears where May 2020 recorded a dismal 1,328 detached sold, the latest data shows nearly a doubling of closed sales to a normal level of 2,474, 20% higher than June of 2020. The bogeyman for the market is again, plummeting active listings as show in the chart.
Condo and other attached sellers were having a good time as well, with median sales price up 21.4% to a new record of $550,000.
(All data is unofficial and subject to change)
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, or how our "no cost listing program" works, contact Mesa Pacific today.
May Sales Data
06/02/2021
HOMEOWNERS PLANT THE FLAG
When should a chart named ACTIVE LISTINGS be changed to INACTIVE? When you see a chart that looks like this. Descending to the lowest of lows (at least since 2004) and this happening in what would normally be considered the height of listing period. If 1651 is now the new normal when 9500-10,000 is typical for May, then the industry is in big trouble. Not so says the County government, where all sales volume had back-to-back records that totaled $6.88 billion, and roughly translates to property tax revenues of $82,000,000. This volume relates to sales prices where records were broken again, with chart showing median sales price of detached homes zooming to $875,000, an 18% climb from just 5 months ago, and a whopping 30% from May-June 2020. One might think the exceedingly low active listing is because they went so fast, which is true in that a new record in Days on Market was set at a mere 20 days, amidst intense bidding wars that drove prices on average of 4.7% higher than list price, yet another record set here. But add up pending sales of 2,391 and sold of 2071 with active listings, and they only total 6,113, well short of even typical active listings of 9,500-10,000. So where have all the would-be sellers gone? The decline began well before the COVID scare. Is San Diego simply THE PLACE to stay put and no significant construction to entice home-owners to move on up?
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
March Sales Data
04/24/2021
ARE SELLERS TIRED OF WINNING ?
The records shattered in March say sellers are winning at every level while it should be buyers who are growing tired, standing in line of a bidding war. All-time Record #1 as chart depicts: 20.8% increase in sales price over last year to $810,000, making all home-owners very happy indeed. Record #2 Percent sales price to listing at new high of 103.3%. All-time Record #3: Days on market to all time low of 21 days, 32% lower than last year. these few stats suggest housing sales on fire. However, one record remaining says it's not that rosy of a picture: All-time record #4 is active listings down a whopping 59.7% below April of last year, and during height of COVID scare. So assume same amount of buyers looking each month over last several years but now faced with inventory sliced down to the bone, and a dog fight naturally ensues. Pending sales of 2306, up 39.8% from same time-period last year, shows more of the same good fortunes to come for sellers by this month's end.
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
February Sales Data
03/01/2021
RECORD BREAKING ONE-UPMANSHIP?
If there is one sales marketing tool that will be stated over and over again in every brokerage company this month, it will be: "Sold Over Listing Price." Whether by design of listing low to create more buyer bidding or just the forces of the market can't be told by this record-breaking chart on Sales Percent To Original Listing (note it's the first time average bids were 101.4% of list price) but recording breaking median sales prices on detached homes, plus near-record lows of 27 days on the market, do. Just when you thought 6% annual price increases or less were the new norm, up pops a 15.6% increase from last year and new record high of $780,000. If following the averages, that figure is up a whopping 24% to $1,055,908--and all of this before Spring has officially sprung. Buyers may have been sensing the cheapest mortgage prices may not last (and they are right judging by latest activity in the bond market-see adjacent column on this), so bidding up the price to fend off competitors is the story of the last couple of months. Add to this buyer frustration is the continued lack of inventory, where the term "Active" listing is almost oxymoronic and as the chart demonstrates, is down to an all-time record low of 1419, 63% lower than this time last year. This story should wake potential sellers up as there is no greener light like this.
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
June 7th, 2020
PHOENIX RISIN' (?)
Out of the ashes of a self-induced economic slump that brought us Depression era unemployment rates of some 20%, comes statistical signs here in San Diego that this too shall pass. Detached pending sales, always a harbinger of home sales to come, shot up in a trajectory not seen in normal times, depicted by this chart, up an amazing 59% in just one month. This happening on the heels of some woeful sales numbers for detached homes against last year at this time: 1220 sold, down 44%, active listings down 41%, dollar volume, down 47% (putting the squeeze on local government revenue). Sellers, not buyers, were deterred by the virus, as buyers jumped in: based on speed of sales, just 29 average days on the market, May's timing still rivals with the best on record posted this April at 26 days. While new listings are down 28% from last year, they too rose from the ashes, up 32% from just a month ago. With the chart showing active listings limping along the same low line from December to now, there's plenty of elbow room for new sellers to enter this market. Gauging by a look at medium sold prices showing only a miniscule gain of .9% over last year, waiting for greater gains at sale doesn't appear to be worth the wait.
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
May 1st, 2020
IT'S BEGINNING TO LOOK A LOT LIKE CHRISTMAS (?)
While a far cry from media headlines throughout April, Christmas data is here in San Diego real estate. Yes, homeowners got yet another gift as the chart shows a new record high in detached median sales price, up 4.7% from last April to $683,000. The pace of sold detached sales was a staggering 28 average days on the market, beat only by one month going back in July of 2004 at 23 days, and sold price was 99.2% of list price, even with March for the best ever-- two more gifts to sellers. The rest of the data definitely looks a lot like Christmas activity: new listings were down 42.2% at 2,845, but still higher than any December in the past. Pendings, down 40.2% from April 2019, followed that same holiday season break, still hovering slightly above or below Decembers of 2018 and 2019, and sets the stage for more weak sales coming in May. Active listings of 2872, down 38.8% from last year, are nearly identical to those of Christmas, 2019. In a tell-tale graph of something gone wrong, it shows the number of sold properties in April historically rose well above prior months of that year, but took a sharp dive from March, dropping 20% in one month, and 32% below last April, and looking a lot like Christmas sales of the past. While one might guess that buyers are reluctant to buy with business closures, the data shows buyers snatching up properties at a record pacing, with little negotiating on list price, and would-be sellers (with inventory bottoming out) most affected by the virus, possibly having visions of masked men and women arriving at their doorstep, potentially dropping off a virus that might kill them. The good news is that more Americans died from the common flu in 2018 when no masks were required by law, and sales were 43% higher in April of 2018. Buyers and agents are being allowed to see properties so the only restriction involves those wheel spinning open houses that make listing agents look busy.
April 7th, 2020
STORM BEFORE THE CALM (?)
While March detached sales are doing that characteristic thing, carrying the median sales price to new record heights at $680,000, up 8% from last year, and average days on the market (tied with record lows of just 30 days) would make any listing agent look good, several lead bits of data for future sales are not following that characteristic historical script: pending sales are down 1,692, 18% less than this time last year, and active listing fell to lowest level in modern times at 2,872, down a whopping 36% from last March. Will April showers*
bring May flowers?
*(now a viral deluge as mainstream media might describe, but will U.S. deaths match the 80,000 flu deaths in 2018 that happened with only a few news bulletins posted about the flu killing up to 4000/wk and zero suggestions about closings of anything, including home listing showings, restaurants, businesses, schools, churches during Holy Week, and the Orwellian Los Angeles rule for neighbors snitching on neighbors)
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
March 8th 2020
LEAP YEAR IN RARIFIED AIR (?)
Rare is it to expect all-time records to fall in February but it just happened as median sales price of detached homes rose 8.5% from last Feb to $678,000. While many will say it is due to lower mortgage rates, which, on average, were lower by less than 1/4% from December, the real action from rate declines should start for future sales as market rates have tumbled by over 1/2% in the early days of March from February's average (see Mortgage Report) !! No doubt the market nemesis is at play here, as active detached listings touched down at a new record low of just 2,679, a whopping 40.1% decline from February 2019. This inventory squeeze helped sellers get what they bargained for as the percent of selling price to list price reached 98.3%, topped only by the peak season in July of 2013, when it became abundantly clear the bottom of the marketplace from the recession had come and gone. Even sellers over $1,000,000 had there way with prices, as they got 95.8% of asking price, just shy of the all-time best of 96.5% in 3/2017. This million+ category shows closed sales were up by 23.2% to 281, best February number on record. But the real stand-out figure says the best is yet to come. By using the divining rod of pending sales, it shows a huge gain at 49.8% to 442, which will no doubt have March sales beating out February closed sales of 281, up 23.2% from 2/2019. Condo/attached follows similar patterns as detached with the median sales price topping all months heretofore at $450,000, up 9.4% from last year.
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)
February 9th 2020
COLD WINTER SALES MEET UP WITH STORMY DEMAND (?)
It may be cold outside for San Diegans and called the "off-season" for home-buying, but that didn't stop buyers from pressing on to outbid their competition amid strikingly low volume of homes
-- so low it broke the record* with only 2,730 detached listings (and 40% lower than last January). Those conditions made for a 9.3% increase in the median sales price compared with last January, and uncharacteristically this season tied the all-time record high that hit at the top of normal sales season in June of 2019 at $670,000. Even sellers of properties above $1,000,000 saw their prices rise by 4.4%. Pending sales in this category are up 33% with all detached up by 8.4% so this trend line should not stall out in February. While homeowners can smile at this chart, imagine any corporation dealing with sales activity dropping by 40% from a year ago. So picture those grueling sales meetings, tabulating the efforts of tens of thousands of registered agents in San Diego, all getting grilled on their lousy performance that's down by 40% from last year. If they have this chart in hand, they shouldn't take it to heart.
For frustrated would be buyers, the sun (and new listings) will come out tomorrow--and the cost of borrowing improved. Get a jump on these by receiving an automated notice of new listings that fit your search criteria, and receive large cash rebates that average $4000 when represented by Mesa Paciic.
*(December active listings revised to 2,805, as all sales data is unofficial when previewed early)
Sneak Preview of December Data
January 4th 2020
NEW RECORD OF ILL REPUTE (?)
While homeowners can continue grinning ear to ear going into the new year with detached resale homes rising 6.7% from last December at $665,000 (dead even with November and that of the high-flying summer season of 8/2018), the nemesis for would-be buyers hit a new record low: just 2,611 active listings, a whopping 39.8% below December last. With all property types included, the same new record low happened for this grouping (4501, down 33%) in a County population of 1.24 million households according to 2018 census. With so few active listings also in November (see 12/7 report), is it any wonder that closed detached sales (1,515) barely gained over last December, and will likely put sales in a deep freeze in January? Top this off with relatively few days on the market (38 days average) compared with past winter months, it all adds up to favorable conditions for sellers to enter the market now.
For a list of properties that fit your criteria, and info on cash rebates to buyers that average $4000, contact Mesa Pacific today. For an example of how our "no cost listing" works, click here.
(All data is unofficial and subject to change)S of sales at 29 days average, 9.4% faster than last year, nearing all time speed records--and that speed gave sellers a lift in their loafers, pushing the median sales price up to a new record high of $657,000, a 6.8% annual increase. The rocket's red glare of dollar volume lit up at the City and County's assessors' offices, where total volume on all real estate sales spiked to a new record at $3 billion 78 million. With active listings now even with last year at this time after hitting rock bottom in December, 2017, a 50% climb since then, the charts say would-be sellers should jump into this market as anxious buyers await.
(please click on underlined text for charts)
May 5th, 2018
UNCHARTED WATERS (?)
Predicting the future has its hazards, but our prediction of higher sales in April due to spurt in pending sales held up, rising 8.5% higher than March closed sales. * That may seem like a given, but when the start of the year was a scratch with the lowest new listings in modern times of 1330, San Diego resale markets dipped into uncharted waters. April closed sales are still down from last year at this time by 8%, mostly due to the continued squeeze on inventory. However, what is breathing new life into the market are new April listings that are more than double from the record low 4 months ago and now up to 3096, 2.1% higher than last April. Though still only at an anemic 2 months’ supply, buyers get a better shot at finding a suitable property, but not without additional costs. The median sales price on detached homes is continuing that climb, up 8.3% from last April to $640,000, a new record high. And with that record high coupled with decent sales numbers, dollar volume has to be putting smiles on tax assessors and other government officials, tapping into uncharted record volume for all residential real estate transactions totally $2.84 billion. Listing agents of all stripes brag about their exclusive system that gets the seller’s home sold quickly and at the listing price. One would not hear these claims back in December 2011 when the days on the marketstretched to 85 versus the near record low today of 25, and when the average sales price was 7.3% below list price compared with 1.9% today (or .1% based on median calcs). All stats are unofficial, and are announced later in the month by NAR.
If you would like a free list of properties that fit your criteria, or a closer look at your home value, please contact us today.
*(Mesa Pacific had a hand in the stats by closing the highest home sale in San Marcos at $2,150,000).
April 5th, 2018
Remote Viewing For April Sales Data
When viewing these charts along with recent past ones, remote viewing into the future is not required—at least for the next 30 days. With the inclusion of pending home sales data of a few days ago totaling 2,220, up 30% from a month ago, it is safe to conjure up visions of April closed sales rising above March’s 1738, which rose 24% beyond February’s doldrums numbers. Granted, active and closed sales still show anemic growth, each down double digits from March of 2017, as tight supply of just 1.9 months ( 6 mos. being the old norm and worst was 12.5 back in 01/08) leaves buyers with few choices, and drives both the pace of sales to only 32 days, faster by 15.8% than last March, and sellers getting98% of their asking price. Those that have bought are happy campers to see themedian sales price for detached homes continue to rise here in March by 10.4% from 3-17 to $635,000.
If you would like a free list of properties that fit your criteria, or a closer look at your home value, please contact us today.
March 3rd, 2018
VANISHING SPECIES ?
The official tally for pending sales in January was released a few days ago with this story heading: Pending home sales tumble to a 3-year low as a lead for what is in store for February sales, but we’ll flash forward and take a look a month ahead of time to see what March sales may look like here in San Diego. While detached pending sales registered by 2-28-18 were lower by 6.9% from a year earlier, the chart shows they follow that characteristic climb from December’s basement, increasing by some 33%; so it should be safe to say that March sales won’t continue to crater like they did in February, which were down 12.4% from last February, and surprising lower than the start of 2018 by a few sales, which the chart illustrates. As has been the case for some time, one cannot expect large sales numbers with so few listings, which are still riding at record low levels. Another record-setting event is for average days on the market of 35, which is the lowest for any February charted, and lowest for most all prime-time Summer sales. That says a lot for buyers in the hunt, and for prices paid which continue to rise with a medium sales price of $612,000, up 9.3% from last February. So when the sales negotiation dust settled in February, buyers paid, on average, 98.1% of the asking price to win the bid, and the chartsays this beats nearly all months recorded. No doubt buyers, especially from the chilly East, have already recognized that San Diego gets premium prices, so this chart of a vanishing species of detached homes won’t be any surprise. Detached homes in the price range of $350,000 to $450,000 are down by 47.5% from last year, and likely to continue given the continual upward movement of home prices. However, there were 169 sold last month in this price range, and 207 still available. If you would like a free list of properties that fit your criteria, or a closer look at your home value, please contact us today.
February 2nd, 2018
GROUNDHOG DAY PREDICTIONS WITH LATEST JANUARY DATA
While back East, the groundhog saw his shadow today, predicting 6 more weeks of Winter, San Diegans patiently await Winter and the rains it brings. Alas our Indian Summer weather cannot be blamed on the new record low in detached home listings (going back to 2004 where the chart ends). Not only were the 2974 active listings 23.7% below last year at this time, the count was 20% lower than the low of March 2004. Fewer listings mean fewer sales which were down 10.5% from last year. But with the pace of sales still moving briskly at 41 days average on the market, the squeeze on supply from this ongoing demand pushed January prices 7% higher than January of 2016. At least pending sales are up 4.2%, which would help turn the tide upward in February.
For a close-up look at your property value, contact us today for a free valuation report.
January 2nd, 2018
FIRST PEEK AT DECEMBER SALES DATA: HOW HIGH, HOW LOW THIS JANUARY?
While some hung-over listing agents may be late reporting last minute December closings here in San Diego, data this early out* still tell the tale of a market continuing to run out of home listings--and the chart shows this is at record low levels. The combination of fast sales (38 days on the market) nearly 16% faster than last December, and record low new listingsper chart, put pressure on prices to the upside, up 8.8% from last December to median price of $615,000. The charts also show that historically, there will be even greater constraints on supply this month , so could active listings force a reformatting of the bottom of the charts? The lack of inventory is by no means a sign of weakness, as the dollar volume in sales leaped back up to $2.3 billion, a 63% increase from last December, putting smiles on SD tax assessors' bookkeepers. Since we're in no man's land as far as the data shows going back to 2004 on all key indictors supporting sellers, home-owners looking to sell early this year will find a welcome mat awaiting.
*(the data is preliminary and unofficial. Official findings will be announced later in the month).
December 6th, 2017
CHRISTMAS COMES EARLY IN NOVEMBER (?)
Preliminary data* on November sales shows homeowners receiving the gift that seems to keep on giving: double-digit increases in home values this November on detached resale homes compared with last November. While it is great to receive, the giveth on the part of would-be buyers is where frustrations must be felt. Lofty plans to own a home by Christmas has been snatched up by the Grinch, represented by the lucky buyers with the winning bid on a skimpy list of active sales. The record speed of sales is keeping pace with October (see report below), but you have to wonder why listing agents think that a quick sale within a few days of listing is in the best interest of the seller, without the benefit of being exposed to the maximum amount of buyers. Unlike the forced sales of years gone by, thebank owned sold chart tells the tale that Ebenezer look-alikes are few and no longer knocking on doors with trustee sale notices.
Mesa Pacific can help stimulate sales by our discounts in mortgage prices (at least $3000 in provable savings), cash rebates to buyers, and low to no cost listing programs. Contact us today for details.
*(figures are unofficial and subject to change)
Recommendations
I am writing this letter in support of the succcessful effort put forth on our behalf by Mesa Pacific and specifically for the work done by William Ray. We listed the property with a nationally recognized real estate agency. The property did not sell. Frustrated and disappointed after our six month contract expired, we contacted Mesa Pacific. He came in with a positive attitude and many great new ideas to prepare the property for sale. We also were excited about the opportunity to save substantial money on the commission rate they asked for. Our property was sold in 30 days after signing with Mesa Pacific and for the amount we had originally targeted.
__________________________
I would like to recommend the services of Bill Ray at Mesa Pacific, who assisted me in selling my home on Brian Way in El Cajon, and purchasing a replacement property. Bill Ray made me an offer I could hardly refuse using his no cost listing program, which saved me some $13,000 in listing fees other brokerage firms would have charged.
Bill Ray was absolutely invaluable when it came time to sell my mother's rental property. My mother had passed away and I live a considerable distance from the area. Bill is very knowledgeable about the local real estate market and was able to provide me with the information I needed to make necessary decisions. I listed the property with Bill and have been really happy with that choice. The property was in really bad shape and needed a lot of work. Bill went way above and beyond what he needed to do in order to help prepare the property for sale. He researched contractors, obtained estimates, and oversaw the repairs
"We purchased our home in beautiful Eucalyptus Hills and would like to recommend Bill Ray of Mesa Pacific Mortgage to anyone seeking the best mortgage pricing and professional services. We received a VA loan quote from our credit union and Bill´s pricing beat the credit union by $6000. In fact, the lender credits through his wholesale mortgage company paid all of our closing costs and tax & insurance impounds, so we ended up paying nothing out of pocket, and received our deposit back at close-- and all on a 30yr. fixed-rate loan."
We compared mortgage prices and Mesa Pacific beat others by far in rate and cost. Bill Ray helped us locate and negotiate the purchase of the home at a price under the appraised value, and provided a cash rebate at close in the amount of $4,100.

FUTURE INDUSTRY ADVISORIES
LOOKING THRU GLASS ONION:
TRUMP SETS FUTURE STAGE WITH A PEAK AT WHAT'S COMING
And he calls it a "quantum leap" in the American standard of living." We all know that the Industrial Revolution took us from horseback, to trains, and later electricity and autos, but we still not hitting new leaps and bounds some 100 years later that a "quantum leap" should produce. In fact, it could be argued that living standards from a shrinking Dollar have flatlined for some time now for average American families with computers more engaged in government tracking of citizens than advancing standards of living. Plopping down 10 cities in the vast semi-deserts in the Midwest plains would hardly qualify as a quantum leap, even if they can be reached with "flying cars." Back in June 2019, (see below) we asked readers: Try to imagine an invention that would totally change the landscape of real estate and literally every industry on Planet Earth, and the people that inhabit it. It is the TR-3, with Navy patents, which in no way resembles a flying car (older folks would recall Fred McMurray and his movie called Flubber- now that was a flying car--ha). These anti-gravity birds get you to NYC in a New York minute--sans gravity forces so no seats required.
Trump's uncle was a close friend of Tesla, and knew all about his work. Where free energy and other hidden advanced technologies like Med Beds takes us is outlined under The Abundance Theory published February 4th 2022 (see below).
______________________________________
The game plan for some time is to clear out the old guard that are behind depopulation efforts. squeezing their global hold on financial systems
02/27/2023
OPEN LETTER: EQUITY VS EQUALITY
To: 'CALIFORNIA ASSOCIATION OF REALTORS®' <news@car.org>
Subject: RE: William, We're Focused On Fair Housing For All
I would like to point out that there is a definite distinction between the terms of equal opportunity and equitable opportunity. I have been in this business for some 40 years and noticed this term “equity” has suddenly been introduced as an important goal. Fair housing means an equal opportunity to compete for housing, eliminating bias based on race, sex, etc. but an equitable opportunity has a different meaning. Equitable means equal outcomes so everyone would pay the same price for housing; everyone gets paid the same, down to the lowest common denominator (ie, it’s easier to bring all school grades down as an equitable solution, eliminating advance classes for the smart kids and put them all in same “bone-head” classrooms where all perform at the same and equal lower levels) Of course CAR is a major advocate and defender of private home ownership, which necessarily includes free market capitalism, but in the various economic systems being pushed, advancing “equity” as the outcome is ultimately equivalent to socialism, where government redistributes the same lower values to everyone (including the same monthly pay check) leaving us all couped up in an apartment complex because the goal is equal results for all. So Equality, as in equal opportunity for all, is important, but focusing on equal results would ultimately take away any incentive to work for a better life. In East Germany, before the collapse of the U.S.S.R., there was a popular saying: “the government pretends to pay us, and we pretend to work.” In short, Equality in results known as equity, and private home ownership, is an oxymoronic phrase, incompatible with one another. Please explain if I don’t have this correct.
Response from President of CAR:
Hi Bill,
Thank you for taking the time to reach out and share your concerns. I will be sure we discuss this with Strategic planning and others.
Jennifer Branchini, President
__________________________________________
Trial Run/ Beta Test:
EBS 2023 Alert - Emergency Broadcast System - The Great Awakening
By Jeffery Pritchett
Tuesday, January 3, 2023 19:17
EBS 2023 Alert – Emergency Broadcast System – The Great Awakening
Leaked online/ from Virginia Special Operations/ Plans for releasing video / 10 days EBS SYSTEM
___________________________________
Brave Whistleblower:
News Punch 01-05-2022:
Former FBI chief Chris Swecker has admitted that the bureau has been infiltrated by goons working for the World Economic Forum (WEF) who are working to destroy America.
___________________________________
CRYPTO ET AL
The new FTX CEO (in bankruptcy proceedings) added that only some $740 million of cryptocurrency has been secured in new cold wallets. He also cited at least $372 million of unauthorized transfers that had taken place on the day FTX and Alameda filed for bankruptcy. Ray said there was also “dilutive ‘minting’ of approximately $300 million in FTT tokens by an unauthorized source” in the days following the bankruptcy filing. While there is so much more to this story, including the possibility this designed for central banking regulation and eliminating decentralized cryptos like Bitcoin, the term “dilutive ‘minting’ is essentially what the Federal Reserve and Treasury do on a regular basis with printing new Dollars. BRICS membership is growing as a result of this and starting their own currency exchange backed by gold. As the Dollar loses its paper luster. central bankers openly plot to replace the fiat Dollar with fiat crypto coins, which would allow the same dilutive ‘minting and control over individuals as outlined by Klaus Schwab of Global Economic Forum and their 4th Industrial Revolution, with plans that change you physically into a transhuman, as opposed to changing the world around you. Klaus Schwab: "And you see the difference of the fourth industrial revolution is it doesn't change what you are doing, it changes you. If you take genetic editing just as an example, it's you who are changed. And, of course, this has a big impact on your identity." Klaus Schwab — Charlie Rose .( Note how well they get along in the interview). Global warming tops the Fed Reserve agenda, even when NOAA shows the Northern Hemisphere snowpack is projected to top all other years for the last 56 years (see chart)
So if CO2 causes global warming, best to crank it up and supply more energy to ward off a deep freeze. This is much more about centralized global government control per the Klaus model.
Federal Reserve Unveils Climate Risk Proposal for Big Banks
THE FUTURE IS NOW
"Look, up in the sky, it's a bird, no its a plane," no it's an antigravity craft called the TR-3. Click here for today's vid release: Friendly Crowd Waves and Welcomes UFO Flying Above Them We posted this story on a Navy patent back in 2019 on an anti-gravity craft, so compare the schematic on the patent to this craft seen up close by many:
June 4th, 2019
SIMPLY REVOLUTIONARY: PATENT BEYOND PENDING
Try to imagine an invention that would totally change the landscape of real estate and literally every industry on Planet Earth, and the people that inhabit it. This U.S. Navy patent would do just that. Technically, it is U.S. patent #10,144,532 B2 and dated December 4th, 2018, and titled CRAFT USING AN INERTIAL MASS REDUCTION DEVICE. Simply put, an anti-gravity craft, which alters the gravity waves around the craft, allowing for incredible speed which can take travelers from New York to Europe in 8 minutes, and you don't have to sit down since G-forces are eliminated. It allegedly also works underwater at great speeds and in space. While many report sightings of these triangular shaped vehicles flying about, the caveat is that a patent does not mean the invention is operational, so dream on George Jetson commuters. Zoom around internet search engines for more articles and click here for patent.
12/03/2022
RUMOR MONGERING (part III)
Update on Brunson 2020 Election Breach of National Security Supreme Court Case That Could Dissolve the Biden Administration and all of Congress: The Brunsons' petition read: ―On Jan. 6 2021 the 117th Congress held a proceeding under Amendment XII, for the purpose of counting votes in the 2020 Presidential Election. Over 100 members of Congress claimed to have factual evidence that the said Election was rigged.”
Thurs. 1 Dec. Supreme Court Brunson Case, Juan O Savin: https://rumble.com/v1y7ej0-guest-host-jason-bermas.html
16:46 THE SUPREME COURT ACTUALLY SOUGHT THIS CASE OUT [BRUNSON v ADAMS.] They asked the brothers, the plaintiffs, doing it Pro se, without attorneys, to hurry their case up & get it to em. SCOTUS members have discussed this case & because it’s a matter of National Security on an Emergency basis.
_______________________________
Ben Fulford is a former Editor-in-Chief of Forbes Magazine in Asia. He has long-term sources he trusts when reporting events in this on-going war against the Global Cabal. This is their remaining stronghold outside of Ukraine.
Fulford Report:
German and Russian troops are preparing to attack Switzerland.
Western military and special services have decided on the military occupation of Switzerland in order to arrest the top leaders of the Khazar mafia, numerous sources agree. The Swiss armed forces are invited to stand aside and not resist, since this operation is not directed against the Swiss people or nation. The target of the attack will be BIS, various UN agencies with extraterritorial powers (i.e. their headquarters are not located in Switzerland), the Rothschild complex in Zug and a huge complex of underground bases along the Swiss-Austrian border, the report says. it is a fact proven by forensic examination that people from BIS. Zug et al. tried to destroy most of humanity. It is also true that they claim independence from any government on earth. For example, even Swiss police authorities are prohibited from entering BIS.
In this regard, a military operation was authorized to capture and neutralize these mass murderers.
11/03/2022
WEALTH TRANSFER of STOLEN BOOTY & INFLATION
We are told about the frightening liability side of the global ledger is in the hundreds of trillions (some 200 trillion in U.S. alone when calculating unfunded liabilities like pension and SS), and even in the quadrillions when factoring in the derivative markets (2.5 quadrillion according to this analyst). Equivalent to $2,500 trillion Dollar, that's a massive figure considering global GDP is $80 trillion, but offsetting some of these liabilities are assets, and there is allegedly a hidden asset side to this global balance sheet one might call stolen assets. Forbes Magazine posts the list of billionaires, but never name the trillionaires, who may have hidden cash and fixed assets; treasures reaped over the centuries by invading armies don’t just disappear. (Read More)
10/12/2022
FORCE MA-JEURE: SAYONARA
In contract law, an exception to meeting a certain obligation due to unforeseen events is called Force majeure
Investopedia: "Force majeure is a French term that literally means “greater force.” It is related to the concept of an act of God, an event for which no party can be held accountable, such as a hurricane or a tornado. However, force majeure also encompasses human actions, such as armed conflict.
Generally speaking, for events to constitute force majeure, they must be unforeseeable, external to the parties of the contract, and unavoidable.
Events that could potentially trigger a force majeure clause include war, terrorist attacks, and a pandemic, or natural disasters that fall under the “act of God” category, such as a flood, earthquake, or hurricane."
Given that a) the Dollar (not to mention other national currencies) is a promissory note, and the world is awash in these fiat currencies (read more)...
RUMOR MONGERING ET AL (part II)It is said this war pits one quantum computer projection of future event scenarios against the other in a no holds barred, winner take all battle for Earth in a war most don't even see now, but will in the future, given a final Earth Alliance victory. It is said that Galactic rules prevail with a no nukes allowed defense shield (see below), and more he-said-she-said rumors flowing this A.M, read more)...
09/26/2022
THE TIPPING POINT (?)
The change for the world is right around the corner and looks nothing like the chaos of today, which features the threat of plague, famine, and then war (nuke war at that). Yes, all disasters in the past either started with plague, famine, and then war, or in slightly different orders, but always these three. What the future should reveal fairly soon is these chaotic events of the past and present were all planned, essentially by the same family group over the past couple centuries, and the theme is constant: out of chaos comes control. Like a mafia control group, these people have rooted themselves over time in all governments, corporations, religious organizations, and media using bribery and coercion to control behavior. Read more...
COG IN THE WORKS (?)
The White Hats had to allow these very nefarious people to show how bad they were, allowing us to come to a precipice like we see today, before initiating military response under guidance of COG, Continuity Of Government following a declaration of emergency. (read more)...
RUMOR MONGERING ET ALPolicy of no nukes allowed confirmed and enforced by those “other unnamed groups," or so the rumor goes. Further rumors say that the Starlink satellite network is operated by a quantum computer control system and capable of shooting down any nuclear missile launch. (read more)...
09-01-2022
Sign Post Up Ahead: NOW ENTERING ALT-MEDIA & NEW WORLD There are, and have been for some time, two diametrically opposed realities, as told by mainstream news organizations and alternative news sources. It's easy to spot the controlled group as they read from the same script (read more)...
07-03-2022
1776 INDEPENDENCE DAY vs FORCES UNLEASHED?
All markets, including real estate, and the humans within them, revolve around and are influenced by truths, half-truths, and bald face lies. Some hide it well, while others, called conspiracy theorists, step out of the mainstream media matrix, having seen these bad actors before that make markets rise and fall, and happy masses turn miserable. The latest stage being set comes from Europe and central banker Lagarde:
LISBON, June 29 -- European Central Bank (ECB) President Christine Lagarde said on Wednesday that the world "will not return to the low-inflation environment" before the COVID-19 pandemic..."There are forces that have been unleashed as a result of the pandemic, and as a result of this major geopolitical shock that we are facing right now, that is going to change the framework and the scenario in which we operate," she said at the ECB annual forum, held in Sintra, west of Lisbon. Combine that message with Klaus Schwab message, founder of WEF, in his book: COVID-19: THE GREAT RESET, and an old social-political technique that motivates the masses called problem-reaction-solution. Create the problem, await public outcry, and then ride in with solutions that enrich the instigators. With secret meetings galore amongst the global elites, it is not difficult to spin her words that might be heard behind closed doors back in 2018-2019 after COVID-19 was patented, COVID swabs mass produced in China, and Gates Foundation completed their beta test of global deaths from a virus pandemic: "It is now time to RELEASE THE FORCES and close down the economies of the world for a better future for all of us." But like George Carlin once joked, "it's a big club and you ain't in it." Intel sources say the military is making room to house this "big club" on this Independence Day to remember for decades to come.
BIG TOP TENT FOLDING?
This "big club" is getting squeezed from all angles as its debt system of skimming off the top of ever-inflated fiat Dollars and global market manipulations are getting challenged. More and more countries are joining a new trading group called BRICS outside of the G-7 with a gold backed system of national currencies that will not be subject to endless Dollar printing and the inflation and economic calamities it creates, controlled through the international clearing house call the SWIFT system. Ironically, this was pushed into high gear when NATO forced Russia out of the SWIFT system, along with Western boycotts that will hurt their citizens the most this winter without fuel. Eventually, as other Western nations see their fiat Dollars slipping away in purchase power, they too would likely join a new global system which many refer to as the Quantum Financial System (quantum= point-to-point instant connection and no wave frequencies, thus eliminating cell towers, wi-fi tracking, cabling, and introducing free energy that would revolutionize the world). The system will give populations full sovereignty and control of their individual assets (sans government, corporation, and social media intervention and spying), and voids the need for income taxes as governments shrink down in a devolutionary pattern, handing control to people at more local levels. Starlink awaits deactivation of current system in order to deliver this new system.
05/01/2022
All The World is but a Stage Act XIV: Holographic Messaging
As the curtain rises, smoke-making machines crank up, with holographic images of space craft high above shooting laser-like bolts at cardboard cutouts of city landscape of tall buildings set deep in the background stage. The audience gasps despite backstage crew setting up cue cards for the audience that read: “artificial smoke and harmless to breath.” Lights then focus on the edge of the stage to an actor wearing a Klaus Schwab mask standing behind a podium, and in German accent calling for a new world order to battle these invaders. Audience applauses on the technological aspect as the curtain falls, then rises again after a short break. The audience gasps yet again in disbelief as standing before them are President John F Kennedy and his son, JFK Jr. holding Princess Di's hand, all taking bows at thunderous audience applause. Each take turns at the podium to explain their back-ground, why they had disappeared from public view, and what the previous act was all about. The implications were profound, and the presentations were so surreal it made the faint of heart reel in confusion; but many took these as clues that a massive set of world-changing documents and disclosures would follow in the very next act. Some actually took notes believing what they heard was more than just a 21st Century version of a Shakespearean play. One notetaker wrote: “EBS Mt. Weather, secret societies, Illuminati, Kazarian Mafia, Vatican-Buckingham
Palace- D.C. closed, Dracos, GFW,
planned famine, Gitmo, devolution, how much is a quad trillion , sell stocks in Disney, Walmart, Nickelodeon, Amazon, Duetsche Bank, Blackrock, Vanguard, pharmaceuticals, hospitals, Alphabet (Google et al), Facebook, smart phone manufacturers, big oil, utilities. Buy: Ripple, gold, silver, … do search on who making Q phones, QFS, Starlink."
Act XV: Disclosure
Once again, the curtain slowly rises with four actors dressed in military uniforms sitting behind a 10ft table with name plates suggesting they are generals representing U.S., China, Russia, and India. Behind them is a large screen lit up with banner that read THE ALLIANCE, but the lights suddenly go out. After seemingly endless delays, the production manager, flashlight in hand, apologizes and promises the show will go on another day when power is restored.
03/05/2022
BEWARE: STAKEHOLDER CAPITALISM
This concept of "stakeholder capitalism" was created by the same person and organization that insists you wash your clothes less frequently (see article below), and recently envisioned we plebs owning nothing, and we will be happy. While the concept of corporations looking at more than just the bottom line, but also consequences of their actions, is a good one, it's a far more important matter of who's running the show, controlling the rules of the game. In a plutocracy, elites controlling corporations govern and run the show, similar to what is happening now in less than covert fashion: social media banning alternative news, censoring political thought and leaders, even the President of the U.S., mainstream news outlets getting their daily script from up high on the elite global corporate ladder (where the truth is very likely found running in the opposite direction of the scripts), corporate owned banks freezing assets of government protesters and their sympathizers. and corporations following illegal government mandates like experimental forced vaxx. Here we have governments around the world holding hands with pharmaceutical corporations, an industry reaping billions of Dollars a day that sought to hide vaxx experimental morbidity test results for the next 75 years from public view. The list gets very long when you include bribed and/or coerced government officials, who you could call corrupt "stakeholders" in corporate capitalism. There's merit to the concept, and will be highly touted by the elites, but the controlling elites are who to beware.
02/04/2022
THE ECONOMIC ABUNDANCE THEORY
Ask any college student what the main emphasis is in school these days and no doubt it’s called sustainability. In order to improve life and the planet, they are taught of the need to limit consumption, expect less, limit population, and now as proposed by the World Economic Forum, even limit how often to wash your clothes each week. This goes back to political science and economics professors all professing these similar themes in The Population Bomb in the ‘70s which predicted world starvation by 2000. Next stop proposal is a credit card that enables tracking of ‘carbon footprint on every purchase’ and freezing the account. All government policies are driven on this need to sustain, and not to grow, but all that can change with access to new technologies, access being thwarted by old technology owners. Zero-point free energy systems like cold fusion promise the elimination of the fossil fuel power plant and replaced by a box generator in your own backyard and small enough to fit in the trunk of your car-- and only heavy water required to fuel it in a10yr cycle (so sorry for fossil fuel industry, and utility companies no longer needed, and globalists seeking control of energy use via worn out climate change legislation). Cheap energy creates abundance at low prices, as energy costs run through every level of production of goods and services. Population density is eliminated as vast swaths of deserts convert to arable lands (ie Sahara Desert is the size of continental U.S.) as would bleak desert stretches in the U.S. receive desalinated water pumped for thousands of miles on the cheap. Recycling of waste would take on a whole new meaning as technology already exists that breaks down material to its molecular structure, but not economically feasible due to the high cost of energy that is required. Need to get from point A to point B in a hurry? While Space Force is cruising around in TR-3s, the future commercialization of anti-gravity craft would make George Jetson envious, as San Diegans could visit Grandma in NY in 5 (that's 5 minutes not hours-see June 4th, 2019, article below titled: SIMPLY REVOLUTIONARY: PATENT BEYOND PENDING). So, this is the 4th Industrial Revolution rolling in and over the globalists with their version of the next industrial revolution involving depopulation (that scarcity thing is always on their minds) and transhuman biological control where "you will own nothing and will be happy." These are just a few of the secret technologies hidden by the elite few as over 6,000 patents are currently withheld from the public. Technology can be used for good or evil, and nanotechnology is a great example. While James Bond-type mad scientists engineer vaccine injections with nanobot devices for mind control, the father of nanotechnology, K. Eric Drexler, says in his book called Radical Abundance that this type of atomic precise manufacturing will revolutionize the way we make things. So, the first step to make the abundance theory a reality is the final victory in a heretofore unseen global war-- a war to wrestle away global government tyranny and economic control from these nefarious 20th Century owners of the by-products of the 3rd Industrial Revolution, and before they finish their form of industrial revolution--one injection at a time.
All The World is but a Stage Act XIII:
The Staging Is Set: Callin' a Kettle Black In Ukraine? No doubt a nuclear exchange with Russia is one industry advisory not necessary to relate its effect on the real estate industry. Cooler heads should prevail if enough recognize that it is the U.S. acting way out of line defending a border halfway around the world and the corrupt government there, and totally neglecting its own with millions flowing through, and some with nefarious
intent. An analogous scenario would be that Russia came to the rescue of a corrupt government in Mexico as the U.S. military sweeps through the northern borders of Mexico to clear out the Mexican Cartels involved with child and drug trafficking where U.S. fentanyl deaths doubled last year, mass killings of innocent Mexicans, and vicious MS-6 gangs infiltrating, One problem Russia doesn't have are the hundreds of thousands of illegal foreign immigrant men of military age running through a very porous border, all permitted by a corrupt Mexican government and their allies.
11-06-2021
A WAR GAME OF A DIFFERENT SORT?
What if there was a world war and nobody came? Or more realistically, if it was just outside the purview of the public using asymmetrical warfare tactics that disguise it--so well disguised that financial analysts missed it in their algorithmic projections? How goes the marketplace if this in fact is happening and discovered in the days or weeks ahead? If this were a war initiated from within and without, would deceptive strategies show up like military data points on a chalk board, such as a) information warfare that divides and censors the population, b) cyber attacks that cripple computer systems for
communication, and supply line infrastructures of food and energy, c) even including the use of weather warfare that create drought and massive fires in the West, hurricanes in the East, and floods in between, destroying food crops, poultry and beef production, d) blockage of imported goods, e) sabotage elections around the globe with bribes and coercion, f) massive infiltration of refugees in Europe and the U.S. of young males of unknown character, g) create a global panic that induces populations to line up for an experimental vaxx with unknown components h) then move to a strategy of a stealth physical assault using bioweapons that come in an injection form that slowly kill off vast amounts of global populations. So glad and relieved this is just a war game scenario, much of which is described in a Chinese military manual called Unrestricted Warfare (1999), and none of this, according to network media, is actually happening.
10-18-2021
PARALLEL BUT OPPOSITE WORLDS APART? PLUTOCRAT VS THE SOVEREIGN
Futurists are offering two similar but totally different worlds, and the decisions to be made are coming very soon with nothing in between. Plan A offers guarantees of security and a base monthly allowance to survive on. Essentially, it comes under the banner of equity for all and called The Global Reset. This is not to be confused with equal opportunity for all as that motto has been discarded. Instead, the principle relies on government and world's richest elites --(see MONOPOLY – Who owns the world video? or a condensed version, Know Thy Enemy), controlling all as a global plutocracy-- with a handful of elites controlling the means of production and distribution and allegedly split into equal parts to the population at large. For starters, there will be no single family homes as apartment units are distributed equally based on size of household, which in turn, will be dictated by government Already, the Federal government is dictating to local governments what can and cannot be built in their communities, and the movement afoot is to allow multi-family units in single family zoned areas (see July 10, 2020 article below). Ultimately one of the elite creators of this plan , Klaus Schwab, summed it up. By 2030, "you will own nothing and be happy." Transhumanism is part of their agenda, promising you will be smarter with nano robotic implants allowing access to the internet of things. Problem there it is a two way street and the system has access to your brain and functions. And then there is Plan B, part of which has already begun, and will revolutionize existing structures of centralized control (generically called devolution) and produce new freedom as sovereign people, not chattel property under the old system, localized government functions, secret technologies unveiled, creating prosperity the world over. But the first step is clearing out the old guard who have been in control for centuries, which could get somewhat messy, but all John Q. Public has to do for now is just stay alert and say No to the old guard and their suppressive moves.
res the scientific fact that the best masks only stop bacteria, which is 10 times larger than a virus (analogous to a basketball passing through a hula hook), the big picture numbers are found in the total deaths from all sources. In 2020 thru 9-4 *, CDC gives a total of 1,894,4477 (divided by 8.3= 228,246/mo.). Yet CDC records state there were 2,813,503 total deaths in 2017 (divided by 12= 234,458/mo.). At the current 2020 pace, the U.S. is going to come in short on "all deaths" for the full year compared with 2017 by about 24,000. And they call that a deadly pandemic? Medical historical charts will show this a small blip on the screen, but the economic fallout will be a large one as many will have no jobs to return to., and no money to pay rent or mortgages.
*(Note CDC figures updated weekly, so will show increases but still running behind 2017 averages).
POLITICAL INTRIGUE
PART RUMOR--PART FACT
Ouch!-- A Bayonet in the SCOTUS Backside The Supreme Court has finally agreed to make a Ruling on the Brunson Case – that could dissolve the Biden Administration and all of Congress:
AFTER THE SUPREME COURT'S SECOND DENIAL to hear the Brunson case which dealt with Congress’ failure to investigate possible Fraud in the 2020 Election, SCOTUS received Notice that they could have committed Misprision.
MISPRISON OCCURS IF Judges are aware of Treasonous Events (such as Congress’ failure to investigate possible Fraud in the 2020 Election) and don’t do anything about it, they could be guilty of being in on that Treason.
EVIDENTLY IN THE PAST SEVEN DAYS the US Military became involved in that charge of Misprision, visited the Supreme Court and suddenly SCOTUS finally accepted the Brunson case in a 5-4 decision to not only hear it, but would make a ruling on the merits of the case, not the posturing of it.
A FAVORABLE RULING BY SCOTUS IN FAVOR OF BRUNSON could very well dissolve the Biden Administration and all of Congress.
Here is docket for future looksee. You can see denied 2nd time 02/10/23 Search - Supreme Court of the United States
DAN SCAVINO: Corroborated now by 3 people in my sphere, and my own research. In my assessment, it is now my very strong belief that: SCOTUS has accepted the Brunson case in a 5-4 decision, and will hear it. SCOTUS will rule on the merits of the case, not the posturing of it. The US Military is involved in the background with this process, and made contact with the Supreme Court in the last 7 days. #NothingCanStopWhatIsComing #WWG1WGA”It must go through the Courts. It must carry weight” Q
01/05/2023
Drum rolls please. This on deck for Jan 6th. Will many in Congress be sent packing? Supreme Court docket schedule: "DISTRIBUTED for Conference of 1/6/2023."
Update on Brunson 2020 Election Breach of National Security Supreme Court Case That Could Dissolve the Biden Administration and all of Congress: The Brunsons' petition read: ―On Jan. 6 2021 the 117th Congress held a proceeding under Amendment XII, for the purpose of counting votes in the 2020 Presidential Election. Over 100 members of Congress claimed to have factual evidence that the said Election was rigged.”
_____________________________________-
RUMOR MONGERING (part Iv)
Fri. 6 Jan. 2023: The US Supreme Court meets to consider the Brunson Case. If they rule in favor, the Biden Administration and all of Congress must dissolve and the US Military will take over until a new Election is held. If they rule against, the US Military will likely take over until a new Election is held. Either way, Trump will return.
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Mon. 2 Jan. Situation Update: 2023…The Year Of Whistleblowers & Trump’s Return! Space Force Has Taken Over DOD Satellites! Destruction Of CIA/Khazarian HQ Under Lake Geneva Switzerland!
__________________________________________
Trial Run/ Beta Test:
EBS 2023 Alert - Emergency Broadcast System - The Great Awakening
By Jeffery Pritchett
Tuesday, January 3, 2023 19:17
EBS 2023 Alert – Emergency Broadcast System – The Great Awakening
Leaked online/ from Virginia Special Operations/ Plans for releasing video / 10 days EBS SYSTEM
___________________________________
Brave Whistleblower:
News Punch 01-05-2022:
Former FBI chief Chris Swecker has admitted that the bureau has been infiltrated by goons working for the World Economic Forum (WEF) who are working to destroy America.
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CRYPTO ET AL
The new FTX CEO (in bankruptcy proceedings) added that only some $740 million of cryptocurrency has been secured in new cold wallets. He also cited at least $372 million of unauthorized transfers that had taken place on the day FTX and Alameda filed for bankruptcy. Ray said there was also “dilutive ‘minting’ of approximately $300 million in FTT tokens by an unauthorized source” in the days following the bankruptcy filing. While there is so much more to this story, including the possibility this designed for central banking regulation and eliminating decentralized cryptos like Bitcoin, the term “dilutive ‘minting’ is essentially what the Federal Reserve and Treasury do on a regular basis with printing new Dollars. BRICS membership is growing as a result of this and starting their own currency exchange backed by gold. As the Dollar loses its paper luster. central bankers openly plot to replace the fiat Dollar with fiat crypto coins, which would allow the same dilutive ‘minting and control over individuals as outlined by Klaus Schwab of Global Economic Forum and their 4th Industrial Revolution, with plans that change you physically into a transhuman, as opposed to changing the world around you. Klaus Schwab: "And you see the difference of the fourth industrial revolution is it doesn't change what you are doing, it changes you. If you take genetic editing just as an example, it's you who are changed. And, of course, this has a big impact on your identity." Klaus Schwab — Charlie Rose .( Note how well they get along in the interview). Global warming tops the Fed Reserve agenda, even when NOAA shows the Northern Hemisphere snowpack is projected to top all other years for the last 56 years (see chart)
So if CO2 causes global warming, best to crank it up and supply more energy to ward off a deep freeze. This is much more about centralized global government control per the Klaus model.
Federal Reserve Unveils Climate Risk Proposal for Big Banks
THE FUTURE IS NOW
"Look, up in the sky, it's a bird, no its a plane," no it's an antigravity craft called the TR-3. Click here for today's vid release: Friendly Crowd Waves and Welcomes UFO Flying Above Them We posted this story on a Navy patent back in 2019 on an anti-gravity craft, so compare the schematic on the patent to this craft seen up close by many:
June 4th, 2019
SIMPLY REVOLUTIONARY: PATENT BEYOND PENDING
Try to imagine an invention that would totally change the landscape of real estate and literally every industry on Planet Earth, and the people that inhabit it. This U.S. Navy patent would do just that. Technically, it is U.S. patent #10,144,532 B2 and dated December 4th, 2018, and titled CRAFT USING AN INERTIAL MASS REDUCTION DEVICE. Simply put, an anti-gravity craft, which alters the gravity waves around the craft, allowing for incredible speed which can take travelers from New York to Europe in 8 minutes, and you don't have to sit down since G-forces are eliminated. It allegedly also works underwater at great speeds and in space. While many report sightings of these triangular shaped vehicles flying about, the caveat is that a patent does not mean the invention is operational, so dream on George Jetson commuters. Zoom around internet search engines for more articles and click here for patent.
12/03/2022
RUMOR MONGERING (part III)
Update on Brunson 2020 Election Breach of National Security Supreme Court Case That Could Dissolve the Biden Administration and all of Congress: The Brunsons' petition read: ―On Jan. 6 2021 the 117th Congress held a proceeding under Amendment XII, for the purpose of counting votes in the 2020 Presidential Election. Over 100 members of Congress claimed to have factual evidence that the said Election was rigged.”
Thurs. 1 Dec. Supreme Court Brunson Case, Juan O Savin: https://rumble.com/v1y7ej0-guest-host-jason-bermas.html
16:46 THE SUPREME COURT ACTUALLY SOUGHT THIS CASE OUT [BRUNSON v ADAMS.] They asked the brothers, the plaintiffs, doing it Pro se, without attorneys, to hurry their case up & get it to em. SCOTUS members have discussed this case & because it’s a matter of National Security on an Emergency basis.
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Ben Fulford is a former Editor-in-Chief of Forbes Magazine in Asia. He has long-term sources he trusts when reporting events in this on-going war against the Global Cabal. This is their remaining stronghold outside of Ukraine.
Fulford Report:
German and Russian troops are preparing to attack Switzerland.
Western military and special services have decided on the military occupation of Switzerland in order to arrest the top leaders of the Khazar mafia, numerous sources agree. The Swiss armed forces are invited to stand aside and not resist, since this operation is not directed against the Swiss people or nation. The target of the attack will be BIS, various UN agencies with extraterritorial powers (i.e. their headquarters are not located in Switzerland), the Rothschild complex in Zug and a huge complex of underground bases along the Swiss-Austrian border, the report says. it is a fact proven by forensic examination that people from BIS. Zug et al. tried to destroy most of humanity. It is also true that they claim independence from any government on earth. For example, even Swiss police authorities are prohibited from entering BIS.
In this regard, a military operation was authorized to capture and neutralize these mass murderers.
11/03/2022
WEALTH TRANSFER of STOLEN BOOTY & INFLATION
We are told about the frightening liability side of the global ledger is in the hundreds of trillions (some 200 trillion in U.S. alone when calculating unfunded liabilities like pension and SS), and even in the quadrillions when factoring in the derivative markets (2.5 quadrillion according to this analyst). Equivalent to $2,500 trillion Dollar, that's a massive figure considering global GDP is $80 trillion, but offsetting some of these liabilities are assets, and there is allegedly a hidden asset side to this global balance sheet one might call stolen assets. Forbes Magazine posts the list of billionaires, but never name the trillionaires, who may have hidden cash and fixed assets; treasures reaped over the centuries by invading armies don’t just disappear. (Read More)
10/12/2022
FORCE MA-JEURE: SAYONARA
In contract law, an exception to meeting a certain obligation due to unforeseen events is called Force majeure
Investopedia: "Force majeure is a French term that literally means “greater force.” It is related to the concept of an act of God, an event for which no party can be held accountable, such as a hurricane or a tornado. However, force majeure also encompasses human actions, such as armed conflict.
Generally speaking, for events to constitute force majeure, they must be unforeseeable, external to the parties of the contract, and unavoidable.
Events that could potentially trigger a force majeure clause include war, terrorist attacks, and a pandemic, or natural disasters that fall under the “act of God” category, such as a flood, earthquake, or hurricane."
Given that a) the Dollar (not to mention other national currencies) is a promissory note, and the world is awash in these fiat currencies (read more)...
RUMOR MONGERING ET AL (part II)It is said this war pits one quantum computer projection of future event scenarios against the other in a no holds barred, winner take all battle for Earth in a war most don't even see now, but will in the future, given a final Earth Alliance victory. It is said that Galactic rules prevail with a no nukes allowed defense shield (see below), and more he-said-she-said rumors flowing this A.M, read more)...
09/26/2022
THE TIPPING POINT (?)
The change for the world is right around the corner and looks nothing like the chaos of today, which features the threat of plague, famine, and then war (nuke war at that). Yes, all disasters in the past either started with plague, famine, and then war, or in slightly different orders, but always these three. What the future should reveal fairly soon is these chaotic events of the past and present were all planned, essentially by the same family group over the past couple centuries, and the theme is constant: out of chaos comes control. Like a mafia control group, these people have rooted themselves over time in all governments, corporations, religious organizations, and media using bribery and coercion to control behavior. Read more...
COG IN THE WORKS (?)
The White Hats had to allow these very nefarious people to show how bad they were, allowing us to come to a precipice like we see today, before initiating military response under guidance of COG, Continuity Of Government following a declaration of emergency. (read more)...
RUMOR MONGERING ET ALPolicy of no nukes allowed confirmed and enforced by those “other unnamed groups," or so the rumor goes. Further rumors say that the Starlink satellite network is operated by a quantum computer control system and capable of shooting down any nuclear missile launch. (read more)...
09-01-2022
Sign Post Up Ahead: NOW ENTERING ALT-MEDIA & NEW WORLD There are, and have been for some time, two diametrically opposed realities, as told by mainstream news organizations and alternative news sources. It's easy to spot the controlled group as they read from the same script (read more)...
07-03-2022
1776 INDEPENDENCE DAY vs FORCES UNLEASHED?
All markets, including real estate, and the humans within them, revolve around and are influenced by truths, half-truths, and bald face lies. Some hide it well, while others, called conspiracy theorists, step out of the mainstream media matrix, having seen these bad actors before that make markets rise and fall, and happy masses turn miserable. The latest stage being set comes from Europe and central banker Lagarde:
LISBON, June 29 -- European Central Bank (ECB) President Christine Lagarde said on Wednesday that the world "will not return to the low-inflation environment" before the COVID-19 pandemic..."There are forces that have been unleashed as a result of the pandemic, and as a result of this major geopolitical shock that we are facing right now, that is going to change the framework and the scenario in which we operate," she said at the ECB annual forum, held in Sintra, west of Lisbon. Combine that message with Klaus Schwab message, founder of WEF, in his book: COVID-19: THE GREAT RESET, and an old social-political technique that motivates the masses called problem-reaction-solution. Create the problem, await public outcry, and then ride in with solutions that enrich the instigators. With secret meetings galore amongst the global elites, it is not difficult to spin her words that might be heard behind closed doors back in 2018-2019 after COVID-19 was patented, COVID swabs mass produced in China, and Gates Foundation completed their beta test of global deaths from a virus pandemic: "It is now time to RELEASE THE FORCES and close down the economies of the world for a better future for all of us." But like George Carlin once joked, "it's a big club and you ain't in it." Intel sources say the military is making room to house this "big club" on this Independence Day to remember for decades to come.
BIG TOP TENT FOLDING?
This "big club" is getting squeezed from all angles as its debt system of skimming off the top of ever-inflated fiat Dollars and global market manipulations are getting challenged. More and more countries are joining a new trading group called BRICS outside of the G-7 with a gold backed system of national currencies that will not be subject to endless Dollar printing and the inflation and economic calamities it creates, controlled through the international clearing house call the SWIFT system. Ironically, this was pushed into high gear when NATO forced Russia out of the SWIFT system, along with Western boycotts that will hurt their citizens the most this winter without fuel. Eventually, as other Western nations see their fiat Dollars slipping away in purchase power, they too would likely join a new global system which many refer to as the Quantum Financial System (quantum= point-to-point instant connection and no wave frequencies, thus eliminating cell towers, wi-fi tracking, cabling, and introducing free energy that would revolutionize the world). The system will give populations full sovereignty and control of their individual assets (sans government, corporation, and social media intervention and spying), and voids the need for income taxes as governments shrink down in a devolutionary pattern, handing control to people at more local levels. Starlink awaits deactivation of current system in order to deliver this new system.
05/01/2022
All The World is but a Stage Act XIV: Holographic Messaging
As the curtain rises, smoke-making machines crank up, with holographic images of space craft high above shooting laser-like bolts at cardboard cutouts of city landscape of tall buildings set deep in the background stage. The audience gasps despite backstage crew setting up cue cards for the audience that read: “artificial smoke and harmless to breath.” Lights then focus on the edge of the stage to an actor wearing a Klaus Schwab mask standing behind a podium, and in German accent calling for a new world order to battle these invaders. Audience applauses on the technological aspect as the curtain falls, then rises again after a short break. The audience gasps yet again in disbelief as standing before them are President John F Kennedy and his son, JFK Jr. holding Princess Di's hand, all taking bows at thunderous audience applause. Each take turns at the podium to explain their back-ground, why they had disappeared from public view, and what the previous act was all about. The implications were profound, and the presentations were so surreal it made the faint of heart reel in confusion; but many took these as clues that a massive set of world-changing documents and disclosures would follow in the very next act. Some actually took notes believing what they heard was more than just a 21st Century version of a Shakespearean play. One notetaker wrote: “EBS Mt. Weather, secret societies, Illuminati, Kazarian Mafia, Vatican-Buckingham
Palace- D.C. closed, Dracos, GFW,
planned famine, Gitmo, devolution, how much is a quad trillion , sell stocks in Disney, Walmart, Nickelodeon, Amazon, Duetsche Bank, Blackrock, Vanguard, pharmaceuticals, hospitals, Alphabet (Google et al), Facebook, smart phone manufacturers, big oil, utilities. Buy: Ripple, gold, silver, … do search on who making Q phones, QFS, Starlink."
Act XV: Disclosure
Once again, the curtain slowly rises with four actors dressed in military uniforms sitting behind a 10ft table with name plates suggesting they are generals representing U.S., China, Russia, and India. Behind them is a large screen lit up with banner that read THE ALLIANCE, but the lights suddenly go out. After seemingly endless delays, the production manager, flashlight in hand, apologizes and promises the show will go on another day when power is restored.
03/05/2022
BEWARE: STAKEHOLDER CAPITALISM
This concept of "stakeholder capitalism" was created by the same person and organization that insists you wash your clothes less frequently (see article below), and recently envisioned we plebs owning nothing, and we will be happy. While the concept of corporations looking at more than just the bottom line, but also consequences of their actions, is a good one, it's a far more important matter of who's running the show, controlling the rules of the game. In a plutocracy, elites controlling corporations govern and run the show, similar to what is happening now in less than covert fashion: social media banning alternative news, censoring political thought and leaders, even the President of the U.S., mainstream news outlets getting their daily script from up high on the elite global corporate ladder (where the truth is very likely found running in the opposite direction of the scripts), corporate owned banks freezing assets of government protesters and their sympathizers. and corporations following illegal government mandates like experimental forced vaxx. Here we have governments around the world holding hands with pharmaceutical corporations, an industry reaping billions of Dollars a day that sought to hide vaxx experimental morbidity test results for the next 75 years from public view. The list gets very long when you include bribed and/or coerced government officials, who you could call corrupt "stakeholders" in corporate capitalism. There's merit to the concept, and will be highly touted by the elites, but the controlling elites are who to beware.
02/04/2022
THE ECONOMIC ABUNDANCE THEORY
Ask any college student what the main emphasis is in school these days and no doubt it’s called sustainability. In order to improve life and the planet, they are taught of the need to limit consumption, expect less, limit population, and now as proposed by the World Economic Forum, even limit how often to wash your clothes each week. This goes back to political science and economics professors all professing these similar themes in The Population Bomb in the ‘70s which predicted world starvation by 2000. Next stop proposal is a credit card that enables tracking of ‘carbon footprint on every purchase’ and freezing the account. All government policies are driven on this need to sustain, and not to grow, but all that can change with access to new technologies, access being thwarted by old technology owners. Zero-point free energy systems like cold fusion promise the elimination of the fossil fuel power plant and replaced by a box generator in your own backyard and small enough to fit in the trunk of your car-- and only heavy water required to fuel it in a10yr cycle (so sorry for fossil fuel industry, and utility companies no longer needed, and globalists seeking control of energy use via worn out climate change legislation). Cheap energy creates abundance at low prices, as energy costs run through every level of production of goods and services. Population density is eliminated as vast swaths of deserts convert to arable lands (ie Sahara Desert is the size of continental U.S.) as would bleak desert stretches in the U.S. receive desalinated water pumped for thousands of miles on the cheap. Recycling of waste would take on a whole new meaning as technology already exists that breaks down material to its molecular structure, but not economically feasible due to the high cost of energy that is required. Need to get from point A to point B in a hurry? While Space Force is cruising around in TR-3s, the future commercialization of anti-gravity craft would make George Jetson envious, as San Diegans could visit Grandma in NY in 5 (that's 5 minutes not hours-see June 4th, 2019, article below titled: SIMPLY REVOLUTIONARY: PATENT BEYOND PENDING). So, this is the 4th Industrial Revolution rolling in and over the globalists with their version of the next industrial revolution involving depopulation (that scarcity thing is always on their minds) and transhuman biological control where "you will own nothing and will be happy." These are just a few of the secret technologies hidden by the elite few as over 6,000 patents are currently withheld from the public. Technology can be used for good or evil, and nanotechnology is a great example. While James Bond-type mad scientists engineer vaccine injections with nanobot devices for mind control, the father of nanotechnology, K. Eric Drexler, says in his book called Radical Abundance that this type of atomic precise manufacturing will revolutionize the way we make things. So, the first step to make the abundance theory a reality is the final victory in a heretofore unseen global war-- a war to wrestle away global government tyranny and economic control from these nefarious 20th Century owners of the by-products of the 3rd Industrial Revolution, and before they finish their form of industrial revolution--one injection at a time.
All The World is but a Stage Act XIII:
The Staging Is Set: Callin' a Kettle Black In Ukraine? No doubt a nuclear exchange with Russia is one industry advisory not necessary to relate its effect on the real estate industry. Cooler heads should prevail if enough recognize that it is the U.S. acting way out of line defending a border halfway around the world and the corrupt government there, and totally neglecting its own with millions flowing through, and some with nefarious
intent. An analogous scenario would be that Russia came to the rescue of a corrupt government in Mexico as the U.S. military sweeps through the northern borders of Mexico to clear out the Mexican Cartels involved with child and drug trafficking where U.S. fentanyl deaths doubled last year, mass killings of innocent Mexicans, and vicious MS-6 gangs infiltrating, One problem Russia doesn't have are the hundreds of thousands of illegal foreign immigrant men of military age running through a very porous border, all permitted by a corrupt Mexican government and their allies.
January 1st, 2022
SCRIPT-WRITING TALES OF A 2022 FORECAST/ Curtain Falls/New One Opens
All The World is but a Stage Act XII: For Whom The Bell Tolls?
The 2022 stage is set. Many in the audience can’t wait for it to be over and sense with rumors of war, this may be the final act, and the curtain will fall--but on whom? Wait, as the marque says this a double matinee with a new show following this aging script. Back stage, many actors don their masks, hiding who they really are. Some good, but many are bad. The bad ones act like they’re the good ones, fooling many in the audience who act like they have not seen this play before. Who writes the scripts, they wonder? As Mark Twain once said, history doesn’t repeat itself, but it rhymes, so much of the themes of this aging script and a new one in 2022 do involve history, but much of it hidden away in centuries-old vaults. The cast of characters will finally be unmasked and try to take a bow, but many will get the hook, and be drug off the stage, while others get standing ovations and will return to perform in the next show. While the new script is supposed to be a secret, performers and stage hands backstage talk amongst themselves about the real source of this new script, allegedly discovered in these old vaults in Rome that tell both a terrible tale of centuries torture and enslavement, followed by possible relief and a joyous ending. Who knew, they ask, that the manuscripts out of these vaults would reveal the forces controlling the world right up to 2020, and would be unmasked and vilified, and dragged from the stage in 2022? Further into the script shows, that with the bad actors removed, maps lead to massive hidden wealth and technologies-- much of the wealth begotten by corruption and obtained through the many wars these antagonists instituted. Many in the audience holding voucher certificates that bet things will continue as is will first be stunned and run to the exits, leaving vouchers behind. Those with a clearer head will wait for the ending, and be happy they did.
Antagonist: "For whom the bell tolls? It tolls for thee…It’s the END of the world!” (Audience gasps)
Protagonist:“No dummy. It’s the END of you!” (Audience applauds. Curtain drops)
11-06-2021
A WAR GAME OF A DIFFERENT SORT?
What if there was a world war and nobody came? Or more realistically, if it was just outside the purview of the public using asymmetrical warfare tactics that disguise it--so well disguised that financial analysts missed it in their algorithmic projections? How goes the marketplace if this in fact is happening and discovered in the days or weeks ahead? If this were a war initiated from within and without, would deceptive strategies show up like military data points on a chalk board, such as a) information warfare that divides and censors the population, b) cyber attacks that cripple computer systems for
communication, and supply line infrastructures of food and energy, c) even including the use of weather warfare that create drought and massive fires in the West, hurricanes in the East, and floods in between, destroying food crops, poultry and beef production, d) blockage of imported goods, e) sabotage elections around the globe with bribes and coercion, f) massive infiltration of refugees in Europe and the U.S. of young males of unknown character, g) create a global panic that induces populations to line up for an experimental vaxx with unknown components h) then move to a strategy of a stealth physical assault using bioweapons that come in an injection form that slowly kill off vast amounts of global populations. So glad and relieved this is just a war game scenario, much of which is described in a Chinese military manual called Unrestricted Warfare (1999), and none of this, according to network media, is actually happening.
2017 averages).