Loan market – Alba Ruthenicae http://albaruthenicae.info/ Sat, 25 Sep 2021 17:13:36 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 http://albaruthenicae.info/wp-content/uploads/2021/07/icon-2021-07-06T145847.214-150x150.png Loan market – Alba Ruthenicae http://albaruthenicae.info/ 32 32 Is a stock market crash looming? Here’s what the data says you should focus on http://albaruthenicae.info/is-a-stock-market-crash-looming-heres-what-the-data-says-you-should-focus-on/ http://albaruthenicae.info/is-a-stock-market-crash-looming-heres-what-the-data-says-you-should-focus-on/#respond Sat, 25 Sep 2021 09:51:00 +0000 http://albaruthenicae.info/is-a-stock-market-crash-looming-heres-what-the-data-says-you-should-focus-on/ For the past year and a half, investors have known about the biggest rebound in history from a bear market. It took less than 17 months for the benchmark S&P 500 (SNPINDEX: ^ GSPC) to double after losing a third of its value in a month during the first wave of the coronavirus pandemic. But […]]]>

For the past year and a half, investors have known about the biggest rebound in history from a bear market. It took less than 17 months for the benchmark S&P 500 (SNPINDEX: ^ GSPC) to double after losing a third of its value in a month during the first wave of the coronavirus pandemic.

But this perfect upward march can run into problems.

On Monday, September 20, the S&P 500 suffered its worst single-session loss since May. Could this mark a trend reversal for the broader market or even a stock market crash? Here’s what the data suggests it could happen, as well as what you should do in response to those concerns.

Image source: Getty Images.

The case for a double-digit stock market decline grows stronger

Before we dive into the data, let’s eliminate some very important information. It is absolutely impossible to accurately predict when a stock market crash or correction will occur, how steep it will be, or how long it will last. That being said, there are a growing number of warning signs that a double-digit percentage decline is brewing.

For starters, the S&P 500 has an odd history of significant drops when valuations really lengthen, as they do now. Over the past 151 years, the S&P 500 Shiller Price / Earnings (P / E) ratio has exceeded and held above the 30 on five occasions, including now (Shiller P / E of 36.7, to September 21). The Shiller P / E examines inflation-adjusted earnings over the past 10 years. In the previous four instances where the Shiller P / E exceeded 30, the index then fell by at least 20%.

Another obvious concern is margin debt. Margin debt describes the amount of money borrowed by investors with an interest in buying or selling short securities. While it is not abnormal to see the outstanding nominal margin debt increase over time, it is unusual for the outstanding margin debt to increase by 60% or more in a single year. In the past quarter century, this has only happened three times: just before the dot-com bubble burst, just before the Great Recession and in 2021. A cascade of margin calls could be very bad news for the market at large.

History is not the friend of the market either, at least in the very short term. When we look at how the S&P 500 reacted after each of its previous eight bear markets, dating back to 1960, we see that it has suffered one or two declines of at least 10% in the first 36 months following a market bottom. bearish. In other words, recovering from a recession or fear-provoked event is a process that faces obstacles. After 18 months, we had no problems on the road.

Person reading a financial newspaper.

Image source: Getty Images.

History is, in fact, one of investors’ greatest allies.

Even though history seems to suggest that the S&P 500 could find itself in trouble here sooner rather than later, history is also an investor’s best friend.

Since 1950, the benchmark S&P 500 has suffered 38 double-digit declines. Each of those declines was ultimately put in the mirror by a bullish market rally. In other words, every crash or fix in history has been a buying opportunity, as long as your investment timeline is measured in years, not days, weeks, or months.

Another thing to note about double-digit declines in the S&P 500 is that most don’t last very long. The average time it took for the S&P 500 to go from the peak to the trough of 38 crashes and fixes since 1950 is 188 days. It’s been about six months. During this time, the market has spent a lot more time in bullish mode.

Want further proof that time and history are on the investor’s side? Earlier this year, Crestmont Research released a report showing that the 20-year S&P 500 rolling total returns (including dividend payouts) were never negative between 1919 and 2020. That means if you look at 102 end years between 1919 and 2020, the 20-year rolling average annual total return would have been positive.

The story is pretty clear when it comes to crashes and fixes: long-term investors should buy, not run for the hills.

A person holding a smartphone that displays a stock chart with buttons to buy or sell.

Image source: Getty Images.

Three perfect examples of stocks to buy in the event of a crash

With the long-term data unquestionably favoring the bullish, here is a trio of stocks to consider buying if Monday’s larger-than-normal pullback turns into a full-blown correction or even a crash.

Facebook

For Growth Equity Investors, the Backbone of Social Media Facebook (NASDAQ: FB) is an incredibly solid addition during double-digit market declines. Facebook ended June with a hair’s breadth north of 3.5 billion monthly active users. That’s about 44% of the world’s population visiting an asset held each month. Advertisers are fully aware that there is no other platform on the planet that will give them more looks for their post than Facebook, which gives the company such impressive ad pricing power.

Plus, Facebook isn’t even close to monetizing all of its assets yet. Although it generates advertising revenue from Instagram and its eponymous site, Facebook Messenger and WhatsApp, which are two of the most visited platforms in the world, have not been significantly monetized.

Don’t overlook Facebook’s Oculus devices, either. Facebook aims to become the leader in virtual reality, which is expected to be one of the fastest growing trends of the decade.

Two pharmacists collaborating using a computer.

Image source: CVS Santé.

CVS Health

Value equity investors should consider buying a drugstore chain CVS Health (NYSE: CVS) on any big dip in the larger market. Since people do not have a choice of when to get sick or what condition (s) they develop, the demand for prescription services tends to be fairly stable no matter how the stock market performs.

What separates CVS from much of its competition is the vertical expansion of the company. Rather than buying more pharmacies, CVS acquired health insurer Aetna in late 2018. Aetna’s health insurance operations are driving CVS ‘organic growth rate and giving more than 20 million members Aetna a reason to stay in the CVS Health pharmacy ecosystem.

CVS is also attracting customers locally by opening up to 1,500 HealthHUB health clinics in the United States. These clinics aim to put chronic care patients in contact with doctors or specialists.

CVS shares are more than 10 times expected earnings per share in 2021.

A person using the US Bank app on their smartphone.

Image source: American Bank.

US Bancorp

Want value and income? Actions of leading regional banks US Bancorp (NYSE: USB) would be the ideal stock to buy during a crash or correction. The shares can currently be recovered for about 11 times the expected earnings this year, and they are returning a 3.3% return, the best in the market.

One of the reasons that US Bancorp is consistently one of the best banks, as measured by its superior return on assets, is its avoidance of riskier derivative investment opportunities. Focusing on growing loans and deposits has never been a sexy aspect of banking, but it has helped US Bancorp avoid adding time bombs to its loan portfolio. That’s why it rebounds from recessions faster than its peers.

Another reason US Bancorp stands out is its aggressive digital investments. Few, if any, customers have accepted digital banking services with open arms, as have customers of US Bank (US Bancorp is the parent company of US Bank). As more consumers turn to online or mobile banking than ever before, US Bancorp is able to consolidate branches and reduce non-interest costs.

This article represents the opinion of the author, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are heterogeneous! Challenging an investment thesis – even one of our own – helps us all to think critically about investing and make decisions that help us become smarter, happier, and richer.

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Mortgage rates will skyrocket if US defaults on debt, Moody’s report says http://albaruthenicae.info/mortgage-rates-will-skyrocket-if-us-defaults-on-debt-moodys-report-says/ http://albaruthenicae.info/mortgage-rates-will-skyrocket-if-us-defaults-on-debt-moodys-report-says/#respond Fri, 24 Sep 2021 16:31:45 +0000 http://albaruthenicae.info/mortgage-rates-will-skyrocket-if-us-defaults-on-debt-moodys-report-says/ Mortgage rates could rise if US Congress does not raise debt ceiling, says … [+] at Moody’s Analytics. getty Buried in a 10-page Moody’s Analytics report detailing the catastrophic economic impact if Congress doesn’t raise the debt ceiling – for starters, a US default could wipe out 6 million jobs and $ 15 trillion of […]]]>

Buried in a 10-page Moody’s Analytics report detailing the catastrophic economic impact if Congress doesn’t raise the debt ceiling – for starters, a US default could wipe out 6 million jobs and $ 15 trillion of wealth – is a line in the mortgage market and mortgage rates.

“Treasury yields, mortgage rates, and other consumer and corporate borrowing rates rise, at least until the debt limit is resolved and Treasury payments resume,” said Wednesday. report, describing the effects of the US default on its debt.

And, it wouldn’t be a short-term peak, said Mark Zandi, chief economist at Moody’s and lead author of the report. Rates would remain high even after a resumption of payments, as investors add a risk premium that would raise the yields on Treasuries and the mortgage bonds that follow them.

Mortgage rates “would never fall back to where they were before,” Zandi said. “As US Treasury securities would no longer be risk free, future generations of Americans would pay a high economic price. “

Higher mortgage rates would reduce the size of home loans borrowers can get, as lenders measure future monthly payments based on income and other debt. More expensive financing for the purchase of homes means higher monthly bills, which translates into smaller mortgages, which could dampen the demand for homes.

So far, bond investors who control mortgage rates by the returns they’re willing to take on their long-term investments don’t believe the United States will default on their debt, judging by the yields of the Treasury and the mortgage rates that follow them. . This, despite the commitment of Senate Minority Leader Mitch McConnell, that every Republican will vote against.

The bond market often has a strange ability to predict the future. For example, during the 2013 panic known as the ‘taper tantrum’, when Wall Street lost its mind worrying about the impact of the end of its first bond buying program by the Federal Reserve , mortgage rates began to climb weeks before the Fed’s announcement.

The average US rate on a 30-year fixed mortgage jumped a quarter of a percentage point in the three weeks leading up to the speech by Fed Chairman Ben Bernanke, who first raised the possibility of a cut . After Bernanke’s speech, the rate climbed nearly another percentage point, as measured by Freddie Mac. That year, 2013 also saw a debt threshold.

Now, a week away from the October 1 deadline for the debt ceiling, mortgage rates are showing a mixed response. The average rate on a 30-year fixed mortgage edged up to 3.14% on Thursday, after the Federal Reserve announced on Wednesday that it would start cutting asset purchases “soon,” from 3.07 % Tuesday, according to the Optimal Blue Mortgage Market Indices. This is the highest level since July 13.

The 10-year Treasury yield hit 1.4% on Thursday, the highest in about two months.

Raising the debt ceiling would fund the federal government’s ability to pay past spending, most of which accrued under the former administration. Federal debt rose $ 5.4 trillion from August 2019 – the last time the limit was suspended under President Donald Trump – to January 20, 2021, when Trump’s term expired, according to Congressional Research Non-partisan service. It has grown another $ 675 billion since President Joe Biden was sworn in, according to CRS analysis.

The government would shut down on October 1 and the United States would be unable to pay its bills by mid-October if the Senate did not follow the lead of the House of Representatives in passing legislation to raise the cap.

The Treasury would use “extraordinary measures” to pay debts after this deadline, although its funds were exhausted within weeks, according to Treasury Secretary Janet Yellen.

This would cause the United States to default on its debt for the first time in history.

A US default “would likely cause irreparable damage to the US economy and global financial markets,” Yellen said in a letter to Congress earlier this month.

“At a time when American families, communities and businesses are still suffering from the effects of the ongoing global pandemic, it would be particularly irresponsible to endanger the confidence and credit of the United States,” she said. .

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Pembrook Provides $ 15.35 Million First Mortgage to Acquire and Renovate Parkwood Apartments in Los Angeles County http://albaruthenicae.info/pembrook-provides-15-35-million-first-mortgage-to-acquire-and-renovate-parkwood-apartments-in-los-angeles-county/ http://albaruthenicae.info/pembrook-provides-15-35-million-first-mortgage-to-acquire-and-renovate-parkwood-apartments-in-los-angeles-county/#respond Fri, 24 Sep 2021 12:38:00 +0000 http://albaruthenicae.info/pembrook-provides-15-35-million-first-mortgage-to-acquire-and-renovate-parkwood-apartments-in-los-angeles-county/ Pembrook financing will allow borrower to purchase multi-family property and renovate apartments LANCASTER, California, September 24, 2021 / PRNewswire / – Pembrook Capital Management LLC (“Pembrook”), one of the nation’s leading affordable housing bridge lenders, provided a $ 15.35 million first mortgage loan for the acquisition of Parkwood Apartments, a 90-unit multi-family building located at […]]]>

Pembrook financing will allow borrower to purchase multi-family property and renovate apartments

LANCASTER, California, September 24, 2021 / PRNewswire / – Pembrook Capital Management LLC (“Pembrook”), one of the nation’s leading affordable housing bridge lenders, provided a $ 15.35 million first mortgage loan for the acquisition of Parkwood Apartments, a 90-unit multi-family building located at 700 W Avenue in Lancaster, California, part of Los Angeles County.

Once the funding is in place, the sponsor, MF Asset Management, will perform exterior renovations, align spending with other properties it owns in the submarket, and renovate apartments. The developer, who also owns several other apartment complexes in the Los Angeles region, plans to lease at least 51% of the units to low and moderate income tenants in the market.

“We are delighted to provide this well-capitalized sponsor with the funding necessary to complete their business plan to acquire and modernize the Parkwood Apartments complex,” said Christophe Simon, chief of the origins of Pembrook. “Parkwood Apartments represent the type of high quality, well-located multi-family property that Pembrook pursues and aligns with our initiative to provide capital to minority neighborhoods as part of our efforts to address racial and economic inequalities in the United States. “

Parkwood Apartments was built in 1983 and consists of 10 buildings spread over 3.56 acres. The property unit mix includes both one-bedroom and two-bedroom apartments and the resort has plenty of community amenities including two swimming pools, newly renovated fitness area, gated entrance, open laundry 24 hours a day, a garage and a playground.

The city of Lancaster has experienced tremendous population growth over the past 20 years, making it one of the most Los Angeles County. The city is served by the Antelope Valley MetroLink Commuter Rail system, which connects residents to employment hubs in the San Fernando Valley, Downtown Los Angeles and the rest of Southern california. The Parkwood Apartment complex is also close to BLVD, the area’s premier entertainment and culture hub.

Pembrook is a real estate investment manager who provides financing throughout the capital structure. The company initiated or participated in investments totaling more than $ 1.5 billion since she started investing in 2007.

About Pembrook Capital Management, LLC
Founded in 2006 by Stuart J. Boesky, Pembrook Capital Management invests in a variety of commercial real estate with a focus on impact investing and affordable housing across the country. The strategy of this company involves commercial real estate debt, including first mortgages, mezzanine loans, bridge loans, note financings and preferred stocks. Please visit http://www.pembrookgroup.com.

Media contact
Great Ink Communications, (212) 741-2977
Tom nolan (319735@email4pr.com)
Eric Waters (319735@email4pr.com)

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SOURCE Pembrook

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What Are the Unfavorable Market Refinancing Costs? http://albaruthenicae.info/what-are-the-unfavorable-market-refinancing-costs/ http://albaruthenicae.info/what-are-the-unfavorable-market-refinancing-costs/#respond Thu, 23 Sep 2021 20:37:49 +0000 http://albaruthenicae.info/what-are-the-unfavorable-market-refinancing-costs/ When and why were the adverse market charges implemented? Adverse market refinancing charges were adopted to recover losses from abstention defects that were to occur during the pandemic. Government-sponsored companies (GSEs) Fannie Mae and Freddie Mac believe pandemic losses will exceed $ 6 billion. The fees were originally scheduled to go into effect on September […]]]>

When and why were the adverse market charges implemented?

Adverse market refinancing charges were adopted to recover losses from abstention defects that were to occur during the pandemic. Government-sponsored companies (GSEs) Fannie Mae and Freddie Mac believe pandemic losses will exceed $ 6 billion.

The fees were originally scheduled to go into effect on September 1, 2020, but after receiving a huge setback from lenders, lawmakers and other industry players, the FHFA has revised the implementation date to December 1, 2020.

In an effort to compromise, the FHFA excluded several types of loans and excluded loans below a certain amount.

Adverse Market Refinance Fees only applied to compliant mortgages – those that meet Fannie Mae and Freddie Mac standards. Most American homeowners have a compliant mortgage, even if they aren’t aware of it. Your home loan may have been sold to Fannie Mae or Freddie Mac after closing.

Many industry professionals have criticized the FHFA because both Fannie Mae and Freddie Mac reported strong profits this year. Fannie Mae reported net income of $ 7.2 billion, an increase of 44% from the previous year. Freddie Mac saw an even more impressive 107% year-over-year increase, with net income of $ 3.7 billion. Both companies have benefited from rising home prices and a refinancing frenzy due to steadily falling mortgage rates.

How much were the additional costs?

Adverse market refinancing charges represented 0.5% of the loan balance. For every $ 100,000 borrowed, the Adverse Market Charge would add approximately $ 500 to your total costs. Loans under $ 125,000 were exempt from these fees, along with a myriad of other types of loans.

Few mortgage lenders have charged the fees up front. Most simply charged higher refinance rates, rather than asking homeowners to pay extra on closing.

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Business News | Stock market and stock market news http://albaruthenicae.info/business-news-stock-market-and-stock-market-news-2/ http://albaruthenicae.info/business-news-stock-market-and-stock-market-news-2/#respond Thu, 23 Sep 2021 04:20:44 +0000 http://albaruthenicae.info/business-news-stock-market-and-stock-market-news-2/ Search for quotes, news, net asset values ​​of mutual funds zee entertain INE256A01028, ZEEL, 505537 TIC INE154A01025, ITC, 500875 Vodafone idea INE669E01016, IDEA, 532822 Addiction INE002A01018, RELIANCE, 500325 IRCTC INE335Y01012, IRCTC, 542830 Search for quotes, news, net asset values ​​of mutual funds zee entertain INE256A01028, ZEEL, 505537 TIC INE154A01025, ITC, 500875 Vodafone idea INE669E01016, IDEA, […]]]>














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name Price Switch % variation
Sbi 450.40 11.55 2.63
Indiabulls Hsg 226.00 5.10 2.31
Ntpc 126.35 1.95 1.57
Nhpc 27.50 0.20 0.73

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