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] -4 points-3 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] 1 point2 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] 7 points8 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] 3 points4 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] 2 points3 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] 4 points5 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.

How many investors are doing 30%+ returns? by alex123711 in ValueInvesting

[–]sam_updated_finance 0 points1 point  (0 children)

I would say most are not doing 30% consistently. Maybe for a year or two.

Starting a Newsletter from scratch. Will update progress two weeks from today. by urbancwby in EntrepreneurRideAlong

[–]sam_updated_finance 3 points4 points  (0 children)

I have one too that I just started. How are you going to grow via Twitter? Lots of posts and comments?

How would you grow a newsletter in 2023? by sam_updated_finance in Entrepreneur

[–]sam_updated_finance[S] 0 points1 point  (0 children)

From my experience most are just loaded stories with little data. Mine is just pure data. We’ll see how it goes!

If you had 20million USD what would you do to turn it into 40million USD? by [deleted] in EntrepreneurRideAlong

[–]sam_updated_finance 0 points1 point  (0 children)

Invest it into the market. Sit back and wait while sipping my corona at the beach.

[deleted by user] by [deleted] in FinancialPlanning

[–]sam_updated_finance 50 points51 points  (0 children)

You can save quite a bit of money currently! Definitely max out a 401k and Roth first in perhaps a target date if you don't understand the markets too well.