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NY Federal Reserve Chief: Take out a HELOC or 2nd mortgage to consume more! Hehe
| Nudist blood rage | 05/21/19 |
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Poast new message in this thread
Date: May 21st, 2019 9:29 PM Author: Nudist blood rage Global Capitalism in a fucking nutshell
https://www.marketwatch.com/amp/story/guid/48948286-DCBE-11E6-AB45-A19C54550C01
New York Fed President William Dudley on Tuesday encouraged homeowners to find “prudent” ways to tap into the equity that has built up in the homes, saying the boost in consumption would be a welcome shot-in-the-arm to the economy.
The shape of household finances was a hidden strength of the economy, he said.
“The good news is that, while the current expansion is quite old in chronological terms, it is still relatively young in terms of the health of household finances,” Dudley said in a speech to the National Retail Federation.
“Whatever the timing, a return to a reasonable pattern of home equity extraction would be a positive development for retailers, and would provide a boost to economic growth,” Dudley said.
Homeowners may have overlearned the lessons from the housing boom and bust, the New York Fed [resident said.
Even though home values have risen over 40% since 2012, housing debt has stayed virtually flat, he said.
“The previous behavior of using housing debt to finance other kinds of consumption seems to have completely disappeared,” and people are leaving the wealth generated by rising home prices “locked up” in their homes, he said. |
Date: May 21st, 2019 9:37 PM Author: sexy boyish theater stage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38269228) |
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Date: May 21st, 2019 9:56 PM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38269395) |
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Date: May 21st, 2019 9:58 PM Author: mildly autistic ultramarine stag film trump supporter For someone in his position to say this... It should be a capital offense. (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38269406) |
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Date: May 21st, 2019 9:58 PM Author: Nudist blood rage Guy should be fucking strung up
But the issue is everyone on the Fed thinks this |
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Date: May 22nd, 2019 6:51 AM Author: Scarlet rebellious chapel feces (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38270586) |
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Date: May 23rd, 2019 8:12 AM Author: aromatic emerald garrison antidepressant drug (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38276125) |
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Date: June 10th, 2019 3:59 PM Author: medicated idiot crotch (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38368477) |
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Date: June 10th, 2019 6:22 PM Author: mildly autistic ultramarine stag film trump supporter I stand by this poast. (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38369187) |
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Date: May 22nd, 2019 6:50 AM Author: Bossy onyx trust fund casino unreal (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38270585) |
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Date: May 22nd, 2019 6:51 AM Author: Scarlet rebellious chapel feces (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38270587) |
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Date: May 22nd, 2019 6:52 AM Author: Odious kitty (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38270590) |
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Date: May 22nd, 2019 7:03 AM Author: hyperactive mewling national The equity should be leveraged to finance taco trucks and second homes -- not retail sales. That's his only mistake. Proles should be using home equity for investment properties or small business development. (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38270597) |
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Date: May 22nd, 2019 9:54 AM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38271034) |
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Date: May 22nd, 2019 10:10 AM Author: Green hospital H E H E E H E |
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Date: May 22nd, 2019 11:18 AM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38271399) |
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Date: May 22nd, 2019 11:43 AM Author: judgmental orchid corn cake "a return to a reasonable pattern of home equity extraction"
"a return to a reasonable pattern of home equity extraction"
"a return to a reasonable pattern of home equity extraction"
"a return to a reasonable pattern of home equity extraction"
"a return to a reasonable pattern of home equity extraction" |
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Date: May 22nd, 2019 11:54 AM Author: Scarlet rebellious chapel feces (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38271568) |
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Date: May 22nd, 2019 1:26 PM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38272098) |
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Date: May 27th, 2019 2:58 PM Author: Buck-toothed Amber Step-uncle's House (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38296519) |
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Date: May 22nd, 2019 11:46 AM Author: painfully honest plaza "It's an investment in your self! And those get those best returns." (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38271541) |
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Date: May 22nd, 2019 11:52 AM Author: Stirring violent field holy shit evan ur crazy (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38271561) |
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Date: May 22nd, 2019 12:00 PM Author: Misunderstood Kitchen Wrinkle (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38271597) |
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Date: May 22nd, 2019 12:28 PM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38271747) |
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Date: May 22nd, 2019 3:16 PM Author: judgmental orchid corn cake On the HELOCs though, in all seriousness it’s not a bad idea to tap those, just not for consumer spending. Once you’ve got a decent LTV ratio on a piece of real estate (through appreciation or paying it down), it can be a good strategy to pull out enough for a down payment on a second, income-producing property. (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38272766) |
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Date: May 22nd, 2019 3:31 PM Author: Nudist blood rage (Bankrupt guy in 2009) (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38272840) |
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Date: May 22nd, 2019 4:18 PM Author: Stirring violent field (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38273095) |
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Date: May 22nd, 2019 6:10 PM Author: judgmental orchid corn cake I bought up a couple of cheap properties in 2010 and 2011. Wish I’d done more.
All from owner-occupiers, though. Non-luxury rental properties that cash flow are not that vulnerable to recession because rental demand tends to go up, not down, in a recession. Buying expecting appreciation is risky, though. |
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Date: May 22nd, 2019 6:11 PM Author: Nudist blood rage That's a far cry from owning two properties with mortgages in 2007/2008 (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38273662) |
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Date: May 22nd, 2019 6:13 PM Author: judgmental orchid corn cake My overall LTV is like 60%. I’m not overleveraged. (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38273675) |
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Date: May 22nd, 2019 6:16 PM Author: bisexual boiling water old irish cottage "Even though home values have risen over 40% since 2012, housing debt has stayed virtually flat, he said."
Outrageous! |
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Date: May 23rd, 2019 8:10 AM Author: Nudist blood rage Note how they choose 2012, not 2008 (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38276123) |
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Date: May 22nd, 2019 6:51 PM Author: free-loading mental disorder nursing home LOL. The people who run our economy are so desperate to see growth continue at unsustainable rates that they'll resort to shit like this. (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38273829) |
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Date: June 10th, 2019 4:00 PM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38368486) |
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Date: May 22nd, 2019 6:52 PM Author: frozen avocado set “Homeowners may have overlearned the lessons from the housing boom and bust, the New York Fed president said.”
*GC sends you to a consumer re-education camp* |
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Date: May 23rd, 2019 8:17 AM Author: Chartreuse Lascivious Center I admire this level of shamelessness (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38276135) |
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Date: May 27th, 2019 2:56 PM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38296512) |
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Date: May 28th, 2019 4:20 AM Author: bisexual boiling water old irish cottage 💰 (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38300030) |
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Date: May 28th, 2019 4:49 AM Author: magical menage wagecucks hope he gets raped by a pack of niggers (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38300043) |
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Date: June 10th, 2019 3:51 PM Author: bisexual boiling water old irish cottage Report: Americans in DEBT up to eyeballs. Econ Crash = Mad Max scenario
http://xoxohth.com/thread.php?thread_id=4279848&forum_id=2 |
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Date: June 10th, 2019 6:11 PM Author: Nudist blood rage (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38369160) |
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Date: June 10th, 2019 7:15 PM Author: Pale public bath half-breed Truly absurd. (http://www.autoadmit.com/thread.php?thread_id=4266518&forum_id=2#38369378) |
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Date: June 10th, 2019 7:45 PM Author: unholy shrine deer antler Obviously irresponsible to advocate this for average American.
Personally looking to do this though and do a cash out refi at 2.8%. That’s basically free money and looking to invest in another property. |
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Date: September 18th, 2020 2:45 PM Author: medicated idiot crotch is this smart?
help |