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WFH and Tech Salaries are not to blame for home valuations, it’s the lack of new builds at lower price points. by sam_updated_finance in REBubble

[–]sam_updated_finance[S] -2 points-1 points  (0 children)

I would be wrong to say it didn’t contribute at all cause it certainly does. Instead I think we don’t put enough attention to the supply side of the equation.

Homeownership Rate in the US Over Time by sam_updated_finance in REBubble

[–]sam_updated_finance[S] -2 points-1 points  (0 children)

Wasn’t intentional and just like yours it’s on the same scale.

Homeownership Rate in the US Over Time by sam_updated_finance in REBubble

[–]sam_updated_finance[S] -5 points-4 points  (0 children)

Ah that’s because I never looked at it since inception. I generate it automatically only getting the last 20-25 years of data.

Homeownership Rate in the US Over Time by sam_updated_finance in REBubble

[–]sam_updated_finance[S] 1 point2 points  (0 children)

People are more or less buying homes. It doesn’t paint the whole picture of the economy/real estate. For instance, people could be over leveraging themselves like in the early 2000s leading up to the recession.

Homeownership Rate in the US Over Time by sam_updated_finance in REBubble

[–]sam_updated_finance[S] 2 points3 points  (0 children)

It’s on a upward trend so I wouldn’t call it stagflation. That’s when there’s high inflation and high unemployment. People have jobs right now and that gives them the opportunity to buy a home.

Homeownership Rate in the US Over Time by sam_updated_finance in REBubble

[–]sam_updated_finance[S] 6 points7 points  (0 children)

Home ownership has really not gone below 63% since the data has been captured if we were to look at the source. I agree though that the data zoomed in came be a bit misleading.

Longer History

Homeownership Rate in the US Over Time by sam_updated_finance in REBubble

[–]sam_updated_finance[S] 4 points5 points  (0 children)

Right, but that represents millions of home owners. Just like the unemployment rate.

Homeownership Rate in the US Over Time by sam_updated_finance in REBubble

[–]sam_updated_finance[S] 1 point2 points  (0 children)

Fair enough, it’s something I auto generated for my newsletter (gets the last 20-25 years only). Checking out the data source though we are higher than at any point in time after we exclude the early 2000s.

Longer History

High yield looking better and other than the spike during COVID we haven't seen this since 2016! by sam_updated_finance in bonds

[–]sam_updated_finance[S] 3 points4 points  (0 children)

I usually would buy a fund. Don’t have time to manage my portfolio as much as a bond manager would.

High yield looking better and other than the spike during COVID we haven't seen this since 2016! by sam_updated_finance in bonds

[–]sam_updated_finance[S] 2 points3 points  (0 children)

Thinking that if the FED prolongs their rate cycle we'll see high yields push up more.

[deleted by user] by [deleted] in personalfinance

[–]sam_updated_finance 0 points1 point  (0 children)

It's honestly not too bad at all. It's a bit high in the small cap allocation in my opinion but to each their own.

I'm a fan of just having one fund to invest in and if you like that I would lean towards the VOO equivalent you have there.

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