Steve Hill
@SteveHill725Mortgage Broker Astrophysics, Applied Math, UCLA 2001
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Housing permits and starts are currently at levels reminiscent of the early COVID-19 recession. However, the existing backlog of orders and longer turnaround times have kept employment up. As we complete more units, layoffs are at risk
Questions for 2025: Will there be another shoe to drop for residential construction employment now that completions are down notably over the last six months? Employment briefly contracted in early 2023
Warren Buffett: "I tell students ... if they just learn to communicate better — both in writing and in person — they increase their value at least 50%." "If you can't communicate with somebody, it's like winking at a girl in the dark. Nothing happens."
Our CEO @GlennKelman says buyers are "defying the laws of gravity" by returning to the market at a time when activity usually slows down. He says fewer people are phased by elevated mortgage rates while others are tired of waiting to buy. #realestate cnbc.com/video/2024/11/…
This is an excellent point. You could probably in this day and age substitute any other car brand. I see another dimension to it, but maybe I am too naive : who dared to shoot the content, post it and stand by it? Sometimes, this is also what consumers see and remember from a…
Last night I followed the advice of @bryan_johnson of not eating anything 3 hours before sleep and got 35% more deep sleep
🤨 So close to getting to 1.52 million, which was the 5-decade low before COVID hit us
Total housing inventory registered at the end of October was 1.37 million units, up 0.7% from September and 19.1% from one year ago (1.15 million). #NAREHS
On September 28th, I decided to stop rapamycin, ending almost 5 years of experimentation with this molecule for its longevity potential. I have tested various rapamycin protocols including weekly (5, 6, and 10 mg dose schedules), biweekly (13 mg) and alternating weekly (6/13mg)…
This is why housing permits at recession levels are a concern going out
We do not have an inflation problem now; we have a housing problem, and that's been true for over a year.
This is an email from former US National Gymnastics coach Chris Sommer to @tferriss I printed it out, and it's one of the few things I keep on my desk. The ultimate competitive advantage is having the discipline to keep going when others quit.
Friends, I’m telling you, make sleep your number one priority and everything in your life will improve.
Longevity in action. Larry Lewis (shown here at 99!) lived to be 106, and ran 6 miles+ every morning, rain or shine, even at 104. Check out what he says & see his take on what allowed him to maintain such vigor for so long. Respect!
This is Magic Johnson. He owns 400+ boring businesses that have made him a billionaire. (he even taught Shaq how to do it) I’m no Ex-NBA Star… But I still own 6 boring businesses that make $725k per year. Here’s how I bought them as a normal guy:
Important teaching from a graphic - As TG go up, HDL-C goes down. But LDL-P (apoB) goes thru the roof (enters high risk zone) at an HDL-C < 40 mg/dL. This explains why the goal of therapy in low HDL-C patients is to aggressively lower apoB (not the futility of increasing HDL-C).…
Fitch says mortgage rates unlikely to fall below 5.0% before the year 2027. Expects 10-year yield to hover around current levels and end 2026 at 3.50%. A 3.50% yield + "the historical average spread of 1.8pp" would result in a 5.30% mortgage rate.
Fannie Mae's chief economist Doug Duncan is ready call it "Full-year 2024 will produce the fewest existing home sales since 1995" Duncan said on Wednesday
#NEW Fannie Mae just revised its forecast for the 30-year fixed mortgage rate 🏡👇 Q4 2024 -> 6.2% (previous: 6.4%) Q1 2025 -> 6.0% (p: 6.2%) Q2 2025 -> 5.9% (p: 6.1%) Q3 2025 -> 5.8% (p: 6.0%) Q4 2025 -> 5.7% (p: 5.9%
Consuming > 7 grams of olive oil / day linked to 28% reduced risk of dementia-related death compared to those who rarely consumed olive oil. JAMA study analyzed 92,000 participants over 28 years. Association remained significant after adjusting for genetic & lifestyle factors
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