Real Estate Investment Outlook

Although it appears to have been mainly technical factors that triggered the correction in the stock market, inflation concerns have been the major cause for plummeting stock market prices. We have outlined such a scenario of inflation and its impact on real estate investments.

Indeed, the difference between current and trend economic growth is moving close to zero, rising labor demand is putting upward pressure on wages and salaries, but it is still far from a strong acceleration in inflation rates. Meanwhile, the recommendation by the US Department of Commerce in its investigation to restrict aluminum and steel imports on national security grounds is a reminder that the risk of escalating trade tension has a significant impact on real estate investments.

We are not suggesting that the probabilities of risks have risen substantially in light of these events. However, we argue that higher volatility combined with uncertainties about the future uncertain outlook for US trade policy is not an environment where we should risk everything on one endeavor, but rather seek returns by pursuing opportunities in the real estate market.

It would be more than natural that unjustified price appreciations will be corrected over time. Some observers believe that rising inflation may have played a prominent role in the recent stock market sell-off. However, higher inflation points to an overheating economy and rising wages could lower profit margins. Neither case obviously applies at the current time. However, historical evidence shows that periods when inflation begins to rise often create volatility in real estate markets and, on average, returns are meager. Finally yet importantly, higher interest rates could hit real estate prices if they reflect rising risk. Higher interest rates should be less relevant if they result from higher growth.

For now, we expect the implications of rising interest rates on the real estate outlook to be limited. A more persistent significant decline in real estate prices could, however, be associated with somewhat slower growth, either because the economy anticipates a slowdown, or because economic decline itself dampens growth.

The impact of rising interest rates on growth also depends on the factors that pushed up interest rates. The rise in interest rates could be the consequence of stronger growth momentum, in which case the economic fallout is understandably limited. However, if higher interest rates reflect rising risks, for instance, then growth may well suffer more significantly. Financial conditions remain very loose and interest rates relatively low. This should continue to support economic growth.

Therefore, we are keeping our scenario of sustained economic growth: (1) higher world economic activity, (2) rising fixed capital formation, (3) a very gradual adjustment of monetary policy in the US. We acknowledge the risks from higher protectionism, as recent announcements are a reminder that trade frictions could escalate significantly. At this point, it remains to be seen what action the US will take and how other countries may respond.

Since the beginning of the Great Recession in 2008, most have averted the specter of deflation by deploying conventional and – even more importantly – unconventional measures of monetary policy. Inflation in the US averaged around 1.5%, with a dispersion of -2% in mid 2009 to approximately 3.8% in late 2011. Currently, US consumer price inflation stands at 2.1%.

In the US, the government is embarking on a path of fiscal stimulus, and more trade tariffs and trade friction may push inflation higher. However, several factors are keeping underlying inflationary pressure contained for now, including still-cautious wage bargaining behavior by households, price setting by firms and compositional changes in the labor market. In addition, the recent readings have likely overstated current price trends,( the surprising weakness in inflation in 2017). Outside the US, wage and price trends have not changed much in recent months.

Against this backdrop, we do not foresee any surprises over the course of 2018. The Fed is expected to gradually lift rates with caution depending on the tightness of the US labor market, the evidence of accelerating wage dynamics and the potential impact of higher financial market volatility on economic growth.

In addition, a tax policy that fosters the competitiveness of Corporate America and attracts direct foreign investments, helping to raise the potential growth rate of US, should also be supportive for the greenback. At the same time, there are as many factors pointing to a glorious future for real estate markets

According to the Federal Reserve Bank of New York, the current probability of recession for the US economy stands at around 4%, moving to approximately 10% at the end of 2018. In our view, the gradual tightening of monetary policy, limited inflation expectations and cautious investment demand, will keep real interest rates relatively low. Therefore, we prefer real estate investments in 2018.

Finding Low Cost Health Insurance – Options And Ideas

Why are there so many Americans who are uninsured? Because it costs too much. It's really that simple. Independent contractors and small business owners often forego getting their own health insurance plans, hoping nothing happens that could ruin their business and put them in the poorhouse. And, the growing number of Americans living before the poverty line could not afford health insurance if they wanted to.

There are some ways to get low-cost health insurance if you need to. We can all stand to save a couple bucks, but for some of us it's a necessity. Here are some ideas to help you get low cost health insurance.

Individual Health Insurance Plans

Everybody knows that you can save with group insurance plans, but not everyone knows that the average cost of individual plans is dropping. This is because more and more people are choosing individual plans because of the flexibility they offer, and that is forcing health insurance companies to be more competitive.

Go With An HMO

An HMO, or Health Maintenance Organization [http://www.medicalhealthinsuranceguide.org/Affordable_Health_Insurance/], is a way to get insurance on a fixed budget. Think of it as a health insurance package deal. The HMO has a network of doctors that you can choose from. If you need to see a specialist or go to the hospital, they can refer you to one that is also under the same HMO plan.

HMOs are usually affordable, and they offer you a fixed price, so you do not have to worry about premiums changing. They also handle all the claims and paperwork for you, so they make the whole process easier.

The disadvantage of HMOs is the lack of flexibility. You have to go to the same doctor, and any doctor or hospital visits outside of your HMO will not be covered.

More Alphabet Soup – PPOs

A PPO is a Preferred Provider Organization. PPOs work just like HMOs but with a little added flexibility. For an extra cost, PPOs allow you to visit healthcare professionals outside of your chosen doctor when necessary. These plans are becoming more popular than HMOs in recent years because of the choices offered to carriers.

Fill Your Insurance Gaps With COBRA

COBRA is a program designed to allow those who have recently lost their insurance to stay on it until they find something new. It is ideal for those who have left their jobs, or who were covered under their spouse's insurance but were recently divorced or widowed. With COBRA, you can maintain your current plan for up to 18 months until you get a new health insurance plan.

Let The Big Guys Lend A Hand

There's no shame in seeking government assistance when you are in a tight spot. Think of you and your family's well-being. When you're really scrabbling bottom, there are a variety of low cost health care programs such as Medicare available. While these programs do not offer the same high quality coverage as a good health insurance plan, they will help cut down your medical expenses when you need them.

Health insurance is expensive but necessary. The number of Americans with no coverage at all is shocking. Do not be
intimidated by the high price; there are always ways to find low cost health insurance.

5 Differences Between Mopeds and Scooters

If you are trying to save a few buck in your transportation expenses these days, you may want to consider a moped or scooter. Obviously if you do not live near your work or have a large family this may not be possible. But for single people, students, or someone who has just a short commute to work, these vehicles can save you a ton of money when it comes to what you are paying at the pump each month.

Many people interchange the two terms, but they technically are not the same. Here are some of the differences between the two:

# 1 The Look.

Some of you reading this that are a little bit youngger may have never even seen a moped. They look like a heavy duty version of a bike. They have a motor, but they also have pedals.

The scooter on the other hand, has no pedals and looks like more like a mini motorcycle.

# 2 The Motor

Mopeds are going to tend to be a lot less powerful than most scooters. They will usually have a 1 gallon gas tank with no more than a 49cc motor. Do not get me wrong, they will usually get you over 200 miles on a tank, but they are limited on power.

The scooter, on the other hand, has evolved over the years. Scooters come with many different engine sizes ranging from 49cc up to 250cc.

# 3 Speed

The mopeds are hindered by their smaller motor, so they only get going to around 30 mph tops. The scooter can go anywhere from 25mph up to 60mph depending on the size of the motor.

# 4 Availability

Honestly, there are going to be many more options available to you if you are choosing a scooter over a moped.

# 5 Affordability

A moped may be a little less expensive because a) the are usually not as high tech; or b) you may actually have to find a used one if the moped is the way you want to go.

Scooters are much more advanced nowdays, but some people like the old school look and feel f the moped. Either way, they are both going to save you massive amounts of money at the pump if you decide to use them.

What Photography Really Is

According to famous French and Swiss Jean Luc Godard, photography is truth. It is the art or the process of creating or obtaining accurate representations of objects through chemical action of light or other kinds of radiant energy on specially treated surfaces. The device used in obtaining this is known as the camera and it will have many uses for business, science, art and pleasure. The products of photography are called negatives, photographs. or simply photos.

Today, many photographers prefer black and white photos and would even apply a variety of techniques to create this effect on their photos. Photography was originally done in black and white and this approach was widely used for several decades due to its lower cost and the 'classic' look the photographs shown. However, monochromatic pictures were not purely black and white while being processed then.

By the 17th century, color photography began but only saw market success in 1907. Color films started to come out in the market and, in 1963, instant color film was introduced. This multi-color approach provided a result where images formed a positive transparency. This became a useful tool in slide projectors. Owing to this kind of innovation, the introduction of photo printing equipment started.

New technological trends opened a new direction and digital photography came in, leading everyone to new artistic visions. By using a digital camera, you are now using full spectrum photography. Traditional photography became a bore to photographers especially when the work covered remote locations where processing facilities was not easily accessible. Photojournalism and professional photography were the first to enjoy the modern accents of digital photography. With the technology, sending images between offices worldwide has become very fast and easy. Today, it is an indispensable commodity for phofessional photographers.

With digital photography, images are recorded through electronic imaging rather than a change in chemical process. Chemical photography involves film and photographic paper and resists manipulation. Digital imaging, on the other hand does not require this paraphernalia because all it needs is a significant medium. it only need a highly manipulative medium.

From then on, digital prints have become a major consumer product in the world of photography. However, a 2007 survey made by a major brand in camera, shows a large number of professional photographers who still continue to use chemically processed film. They believe these are still far superior than any digital photography equipment ever made.