American Monetary Association
Economics
The American Monetary Association is a non-profit venture funded by The Jason Hartman Foundation that is dedicated to educating people about the practical effects of monetary policy and government actions on inflation, deflation and freedom. Our goal is to help people prosper in the midst of uncertain economic times. The American Monetary Association believes that a new and innovative understanding of wealth, value, business and investment is necessary to thrive in the new reality of big government, big deficits and monetary destruction. Host, Jason Hartman, interviews top-tier guests, bestselling authors and financial experts including; Robert Kiyosaki (Rich Dad), Harry Dent (The Great Depression Ahead), Peter Schiff (Crash Proof), William Cohan (House of Cards), Ellen Brown (Web of Debt), Thomas Woods (Meltdown), Gerald Celente (Trends Journal), G. Edward Griffin (The Creature from Jekyll Island), Chris Mayer (Capital & Crisis), Chris Martenson (The Crash Course), Robert Prechter (Elliott Wave), Pat Buchanan (Presidential Candidate), Eric Tyson (Investing for Dummies), Addison Wiggin & Bill Bonner (Agora – The Daily Reckoning), Catherine Austin Fitts (Solari), Thomas Sowell (The Hoover Institution), Marc Chandler (Making Sense of the Dollar), Gillian Tett (Fool’s Gold & The Financial Times), Howard Ruff (Prosper In The Coming Bad Years), Larry Parks (Gold Wars & FAME), James West (Crime of the Century), Les Leopold (The Looting of America), Robert Wiedemer (Aftershock), Bill Whittle (Rich Man Poor Man), Les Leopold (The Looting of America), Robert R. Prechter (Elliot Wave Theory), Lowell Ponte (The Great Withdrawal), Jack Gerard (American Petroleum Institute), Jeffrey Hirsch (Stock Trader's Almanac), Jim Bruce (Money For Nothing: Inside the Federal Reserve), Kevin Armstrong (Bulls, Birdies, Bogies, and Bears), Laurence Kotlikoff (The Clash of Generations), Shaun Rein (The End of Cheap China), A trademark feature of Hartman Media podcasts are our 'Tenth Episodes' where alternative topics of interest are explored every tenth episode. This provides a diverse mix of programming exploring issues and influential authors like Hannah Holmes (What Is Your Personality Type), Dr. Gary Chapman (The Five Love Languages), Christine Hassler (Manage Your Expectations), Sam Carpenter (Work the System), Chuck Gallagher (Second Chances), John J. Murphy (Zentrepreneur), and Robert Greene (Mastery). Topics explored at depth by the American Monetary Association include Bitcoin, digital currencies, investing, corporate tax inversions, crowdfunding, inflation, the Federal Reserve, student loan debt, monetary policy, economic challenges facing generation Y, solar energy, 3D printing, medical technology, US dollar, currency exchange, plunging bond rates, personal and commercial bankruptcy, the cost of a college education, digital banking, the American dream, capital gains taxes, asset protection, gold and silver, commodities markets, precious metals, investing tips, structural and personal unemployment, bank regulations, regulatory reform, emerging markets, shadow banking, social media, derivatives, mobile commerce, government regulation, housing market, identity theft, cyber currencies, mortgage lenders, investment properties, VA loans, gold standard, Fannie Mae, Freddie Mac, online auctions, landlord tenant conflicts, tax lien investing, tax law, retirement, contract law, stagflation, home loans, real estate scams, renters, reverse mortgages, foreclosures, euro, European Union, ECB, European Central Bank, the US housing market, micro lending, online security, cyber security, online banking, digital banking, outsourcing, online shopping, Amazon, Apple, Facebook, Twitter, JP Morgan, short sales, austerity, forex, monetary systems, budget surplus, budget deficits, tax cuts, solar energy, consumer debt, consumer price index, property investing, high frequency trading, interest rates, college tuition, cashless societies, credit card debt, credit monitoring, credit ratings, currency trading, refinancing, federal stimulus, financial independence, financial planning, financial literacy, economic growth, economic development, Wall Street, IPO, IRS, Internal Revenue Service, IMF, International Monetary Fund, mobile banking, Elliot Wave Theory, free trade, underwater homeowners, foreign investing, oil prices, entrepreneurship, Equifax, federal budget, Keynes, Keynesian, fiat currency, financial scams, global economy, gold standard, income tax, and foreign investment.
Location:
United States
Description:
The American Monetary Association is a non-profit venture funded by The Jason Hartman Foundation that is dedicated to educating people about the practical effects of monetary policy and government actions on inflation, deflation and freedom. Our goal is to help people prosper in the midst of uncertain economic times. The American Monetary Association believes that a new and innovative understanding of wealth, value, business and investment is necessary to thrive in the new reality of big government, big deficits and monetary destruction. Host, Jason Hartman, interviews top-tier guests, bestselling authors and financial experts including; Robert Kiyosaki (Rich Dad), Harry Dent (The Great Depression Ahead), Peter Schiff (Crash Proof), William Cohan (House of Cards), Ellen Brown (Web of Debt), Thomas Woods (Meltdown), Gerald Celente (Trends Journal), G. Edward Griffin (The Creature from Jekyll Island), Chris Mayer (Capital & Crisis), Chris Martenson (The Crash Course), Robert Prechter (Elliott Wave), Pat Buchanan (Presidential Candidate), Eric Tyson (Investing for Dummies), Addison Wiggin & Bill Bonner (Agora – The Daily Reckoning), Catherine Austin Fitts (Solari), Thomas Sowell (The Hoover Institution), Marc Chandler (Making Sense of the Dollar), Gillian Tett (Fool’s Gold & The Financial Times), Howard Ruff (Prosper In The Coming Bad Years), Larry Parks (Gold Wars & FAME), James West (Crime of the Century), Les Leopold (The Looting of America), Robert Wiedemer (Aftershock), Bill Whittle (Rich Man Poor Man), Les Leopold (The Looting of America), Robert R. Prechter (Elliot Wave Theory), Lowell Ponte (The Great Withdrawal), Jack Gerard (American Petroleum Institute), Jeffrey Hirsch (Stock Trader's Almanac), Jim Bruce (Money For Nothing: Inside the Federal Reserve), Kevin Armstrong (Bulls, Birdies, Bogies, and Bears), Laurence Kotlikoff (The Clash of Generations), Shaun Rein (The End of Cheap China), A trademark feature of Hartman Media podcasts are our 'Tenth Episodes' where alternative topics of interest are explored every tenth episode. This provides a diverse mix of programming exploring issues and influential authors like Hannah Holmes (What Is Your Personality Type), Dr. Gary Chapman (The Five Love Languages), Christine Hassler (Manage Your Expectations), Sam Carpenter (Work the System), Chuck Gallagher (Second Chances), John J. Murphy (Zentrepreneur), and Robert Greene (Mastery). Topics explored at depth by the American Monetary Association include Bitcoin, digital currencies, investing, corporate tax inversions, crowdfunding, inflation, the Federal Reserve, student loan debt, monetary policy, economic challenges facing generation Y, solar energy, 3D printing, medical technology, US dollar, currency exchange, plunging bond rates, personal and commercial bankruptcy, the cost of a college education, digital banking, the American dream, capital gains taxes, asset protection, gold and silver, commodities markets, precious metals, investing tips, structural and personal unemployment, bank regulations, regulatory reform, emerging markets, shadow banking, social media, derivatives, mobile commerce, government regulation, housing market, identity theft, cyber currencies, mortgage lenders, investment properties, VA loans, gold standard, Fannie Mae, Freddie Mac, online auctions, landlord tenant conflicts, tax lien investing, tax law, retirement, contract law, stagflation, home loans, real estate scams, renters, reverse mortgages, foreclosures, euro, European Union, ECB, European Central Bank, the US housing market, micro lending, online security, cyber security, online banking, digital banking, outsourcing, online shopping, Amazon, Apple, Facebook, Twitter, JP Morgan, short sales, austerity, forex, monetary systems, budget surplus, budget deficits, tax cuts, solar energy, consumer debt, consumer price index, property investing, high frequency trading, interest rates, college tuition, cashless societies, credit card debt, credit monitoring, credit ratings, currency trading, refinancing, federal stimulus, financial independence, financial planning, financial literacy, economic growth, economic development, Wall Street, IPO, IRS, Internal Revenue Service, IMF, International Monetary Fund, mobile banking, Elliot Wave Theory, free trade, underwater homeowners, foreign investing, oil prices, entrepreneurship, Equifax, federal budget, Keynes, Keynesian, fiat currency, financial scams, global economy, gold standard, income tax, and foreign investment.
Twitter:
@USAMonetaryAsso
Language:
English
Episodes
456: The Coming Perfect Housing Storm, The Dark Side of Airbnb and Short-Term Rentals with Melody Wright
11/16/2023
Jason interviewed Melody Wright, a housing analyst and strategist, about the housing market. Melody shared her experience in the mortgage industry and her transition into real estate technology. They discussed her pessimistic outlook on the housing market due to issues like inventory shortage, short-term rental properties, and ‘shadow leverage’. Melody emphasized that she wasn’t predicting a crash but was highlighting the challenges. Melody and Jason also discussed the delay in recording Covid data in Los Angeles County and the importance of triangulating data from multiple sources. They also touched upon the impact of a frozen housing market and the role of short-term rentals in the market. They also discussed the oversaturation of the short-term rental market due to Airbnb’s growth strategy, and the trend of institutional investors pulling back. They concluded the conversation with a discussion on the current state and future prospects of the housing market, including the shift towards rental properties.
She also discusses the oversaturation of the real estate market, particularly in the build-for-rent and multi-family sectors. She points out that the boom in building luxury properties and the overpricing of homes have resulted in an oversupply. Many builders have ignored the need for affordable housing, and there might be a need for government intervention to subsidize write-downs on overpriced properties. Wright also highlights the impact of demographic shifts, with fewer babies being born and boomers retiring, and their effects on housing trends.
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Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
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CYA Protect Your Assets, Save Taxes & Estate Planning:
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Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:45:51
455: Geopolitical Instability and Real Estate: How America Stands Out with Joe Brown
10/16/2023
Jason welcomes back to the show Joseph Brown of Heresy financial as they discuss the global conflicts, the emotional detachment of Americans from these events, and the potential dangers of policymakers’ decisions. They highlighted the role of profit in perpetuating war and concluded with a cautionary note about the potential for ongoing conflict if war remains profitable. They also discussed the philosophy of ‘packaged commodities’ investment, arguing that investing in real estate with subsidized financing and tax benefits can be more profitable than investing in commodities directly.
They noted the potential for increased capital flow and immigration into the US due to economic devastation and war around the world. Additionally, they advised investing in scarce resources, with a preference for those at the end product stage. Joseph expressed his long-standing optimism on residential real estate and predicted that prices would continue to rise. Jason emphasized the need to consider the housing market in a global context, noting that American real estate remains relatively affordable compared to many other countries. They concluded that the key factor in the housing market is the balance between the number of people needing housing and the number of available places to live.
#RealEstateInvestment #GlobalInstability #RealEstateMarket #Inflation #CapitalFlight #USRealEstate #WealthPreservation”
Key Takeaways:
0:29 Extreme profits in a world in chaos
4:53 Pushing the prices of resources higher
8:16 Packaged commodities investing and wealth creation and destruction
11:42 Action steps and the great American real estate market
16:21 Bullish on residential real estate with data to prove it
21:37 Chart on mortgage currently on property
23:58 The 6 year millennial lag and shadow demand
26:09 Stepping into the housing market vs staying out of it
29:13 The Reverse Repo Facility
38:16 The inverted yield curve and the housing market
41:02 The jobs market and the gig economy
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Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:23:38
454: Residential & Commercial Real Estate Market Transactional Values, Trends and Challenges with Mike Zlotnik
10/1/2023
In this episode, Jason interviews Mike Zlotnik from the Tempo Family of Funds https://tempofunding.com/ to gain insights into the current state of the real estate market. Mike discusses the impact of high-interest rates on commercial and residential properties, particularly in the retail and office space sectors. He mentions that transaction volumes have significantly declined, with some properties being sold at a distress due to the need for immediate sales. However, multi-family apartments and self-storage properties continue to perform relatively well. Mike highlights the challenges faced by value-add projects that were acquired with bridge loans and are now reaching maturity. These assets may need to be sold at a discount if refinancing is not feasible. Additionally, he mentions the difficulty in raising cash for refinancing within syndications, as investors may not be willing to contribute more funds. Despite the challenges, Mike believes that the market may improve if interest rates stabilize or decrease.
They also discuss various economic topics, including unemployment, inflation, central planning, entitlements, and the real estate market. They touch upon the impact of technology and artificial intelligence on employment, the shortage of workers in the housing construction sector, and the shift from fix-and-flip properties to new construction properties in the real estate market. They also mention the decline in hard money loan volume for fix-and-flip projects and the need for more distressed properties in order to stimulate the market. While they have different perspectives on how these issues can be resolved, they agree that the current economic situation presents challenges and uncertainties.
#realestate #marketupdate #commercialproperty #residentialproperty #transactionvolume #interestrates
Key Takeaways:
Jason's editorial
Jason's editorial
0:27 Greetings from the beautiful Danube river
1:12 Shortage of houses affecting people and areas harder than other
2:53 We have 700 videos on our Main YouTube channel https://www.youtube.com/@JasonHartmanRealEstate/videos
3:22 Itinerary for the next few weeks
Mike Zlotnik interview
5:00 Welcome Mike Zlotnik; an overview of different asset classes
8:10 Transactional volume for office space is down by 75%
9:12 The residential market trend is going down
11:30 Extending or renegotiating deals
14:10 The banks and the creature form Jekyll Island
15:45 Prediction on what the FED is going to do
18:32 Commercial Mortgage Backed Securities, residential market and the overall economy
21:22 Entitlements and a giant shortage of workers especially in the housing sector
23:03 Hard money lending, the build-to-rent model and the shortage of inventory
27:57 Awesome mortgage rates equals non-distressed home sellers
30:42 Home builders are starting at such high prices
32:07 Being opportunistic in this current environment and buying build-to-rent properties
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Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:34:36
453: Creating Wealth In Times of Financial Crises with Kerry Lutz
9/1/2023
Jason Welcomes Kerry Lutz of https://www.financialsurvivalnetwork.com/ They briefly talk about Jason's 4 year legal battle to clear his name, big tech censorships, the changing landscape of CBDCs and crypto. They continue talking about the current state of the economy and the financial crisis of 2008, the recent banking debacle and how one can take advantage of situations like these to make a healthy profit.
Key Takeaways:
0:29 A digital lynching like no other
4:20 Alphabet has been engaged in censorship
6:38 Turning the tide on this totalitarian web and treating social media companies as common carriers
10:58 The Great Reset, digital slaves and CBDCs
13:21 The problem with Crypto
15:43 The unreal real economy, recession and inflation
23:59 Timing versus cycle investing in the stock market
30:27 Making money during banking/financial crises
Websites:
https://www.financialsurvivalnetwork.com/
http://kerrylutz.com/
email: kl@kerryLutz.com
Follow Jason on TWITTER, INSTAGRAM & LINKEDIN
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Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:37:35
452: Apartment Rents Slow Down, Single Family Rent Index, End the FED, Shadow Banking, Central Banking 101, Joseph Wang, The Fed Guy Part 2
8/15/2023
Today Jason's finishes his interview with the FED GUY, Joseph Wang as he gives you a peek into some of the inner workings of the Federal Reserve. You can also purchase his book Central Banking 101 HERE. Please note that the views in this book do not necessarily reflect those of the Federal Reserve Bank of New York or the Federal Reserve System.
And check out TheCollectiveMastermind.com. We are going to where the FEDERAL RESERVE was created- in Jekyll Island, Georgia; and you are invited!
For much more awesome content, visit Jason's YouTube channel today!
Key Takeaways:
Jason's editorial
1:18 New Year's resolutions and a cruise vacation
4:19 Apartment rent to keep slowing this year
5:37 Chart: National single-family rent index
6:00 Chart: Home price appreciation by tier
10:19 Chart: Year Over Year Active Inventory Markets
12:07 For more information, join the EMPOWERED INVESTOR LIVE Summit. Get your tickets NOW!
Joseph Wang interview
13:22 Welcome back the Fed Guy Joseph Wang
14:16 The Fed, commercial banks and the Treasury- how they work together
15:47 When converting treasuries to cash fails
17:48 To END the Fed or not? The Fed as a product of the market forces
18:35 Central Bank Digital Currencies and social credit scores; the FED going beyond their mandate
20:56 Shadow Banking: The Primary Dealer- becoming part of the apparatus that implements monetary policy
22:48 The biggest change happening right now
26:49 The most fundamental change in how the economy is working
28:38 High inflation and high rates at the same time, what gives?
30:00 Is it bad for capital or good for labor; wages versus inflation
32:50 Automation: labor shortage possible solution and the issues that come with it
Quotables:
"If the recession is due to supply constraints then cutting rates doesn't actually fix anything." - Joseph Wang
"The primary dealers are basically the only people the FED is willing to trade with. So they become part of the apparatus that implements monetary policy." - Joseph Wang
Mentioned:
Central Banking 101
Fedguy.com
TheCollectiveMastermind.com
Follow Jason on TWITTER, INSTAGRAM & LINKEDIN
Twitter.com/JasonHartmanROI
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Linkedin.com/in/jasonhartmaninvestor/
Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:33:24
451: The Federal Reserve, Biggest Investor, Hyperinflation, The Fed Guy, Joseph Wang Part 1
8/1/2023
Today, Jason touches briefly on the housing inventory market. In this day and age, the government essentially have made building entry-level homes illegal, given the rules and regulations coupled with supply chain and labor issues!
Watch more content from Jason on his YouTube Channel today!
Central banking is magic. With a few words, the Fed can lift the stock market out of desperation and catapult it towards euphoric highs. With a few keystrokes, the Fed can conjure up trillions of dollars and fund virtually unlimited Federal spending. And with a few poor decisions, the Fed can plunge the entire world into a recession. The Federal Reserve is one of the most powerful institutions in the world, and also one of the most difficult to understand.
Joseph Wang spent five years studying the monetary system as a trader on the Desk. From that vantage point, Joseph saw firsthand how the Fed operates and how the financial system really works. His conversation with Jason aims to educate and demystify. He explains how money is created, how the global dollar system is structured, and how it all fits into the broader financial system.
But to have a broader feel of his experience as a FED trader, make sure to get his book, Central Banking 101 today.
Key Takeaways:
Jason’s editorial
2:03 Housing inventory shortage
6:11 “It’s an amazing time to be alive!”
7:39 A tectonic shift- find out more at the Empowered Investor LIVE event
Joseph Wang interview
9:12 Welcome back Joseph; is the Fed the biggest investor?
10:14 The FED is not trying to make money; it influences economic conditions
11:27 A little peek behind the “Desk”
13:59 Acting as the eyes and ears of the Fed and having a relationship with big banks
15:16 What don’t we know? accessing and interpreting private data
17:37 The REPO market
19:59 The implications on the REPO market in crisis
22:41 Types of money, money creators and the shadow banks
24:28 Quantitative easing; money printing versus hyperinflation
26:08 Creating loans, creating money
27:28 MMT- correct in theory; dishonest in implementation
30:07 An awesome economic ecosystem
32:33 Before the Reagan Tax Act
33:30 The Fed, commercial banks and the Treasury- how they work together
Mentioned:
Central Banking 101 by Joseph Wang
Follow Jason on TWITTER, INSTAGRAM & LINKEDIN
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Linkedin.com/in/jasonhartmaninvestor/
Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:34:45
450: Hybrid Self-Management, Housing Affordability Crisis, Real Home Price Index, Creating Wealth Virtual Event
7/15/2023
In this episode, Jason discusses the concept of hybrid self-management for rental properties. He shares his recent experiences with property management issues and emphasizes the benefits of taking control of property management. He highlights the time and cost savings of self-management, improved tenant screening, and reduced repair bill markups. He encourages listeners to consider hybrid self-management as a viable alternative to traditional property management and suggests joining his empowered investor pro program for guidance and support.
He also discusses the scarcity of affordable housing in certain markets and the opportunities it presents for landlords. He mentions specific metropolitan areas with a shortage of homes priced below $260,000, such as El Paso, Texas, Boise City, Idaho, Spokane, Washington, Cape Coral and Lakeland, Florida. These markets offer potential for rental property investments as many individuals cannot afford to buy homes. He emphasizes the importance of understanding the three dimensions of real estate and recommends visiting his website for further information. He also touches on population collapse, mortgage rates, and the Real Home Price Index.
Join the Creating Wealth Virtual Event on July 21 and 22. Get your tickets today!
#HybridSelfManagement #PropertyManagement #RentalProperty #EmpoweredInvestor #affordablehousing #realestateinvestment #rentalproperties #populationcollapse
Key takeaways:
1:31 Hybrid Self-Management
8:19 Housing affordability crisis
11:04 Median income earners can only afford 25% of current listings
21:13 Top 5 metropolitan areas with the largest supply shortage of homes
24:53 April 2023 Real House Price Index Highlights
30:40 The complete solution for real estate investors
31:39 US SFR Total Inventory- July 2023
33:30 Creating Wealth Virtual Event- July 21 and 22
Follow Jason on TWITTER, INSTAGRAM & LINKEDIN
Twitter.com/JasonHartmanROI
Instagram.com/jasonhartman1/
Linkedin.com/in/jasonhartmaninvestor/
Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:34:25
449: The Gloom and Doom Report of Today’s Real Estate and Financial Market, Securing Your Assets in a Tough Market with Marc Faber
7/4/2023
The legendary Dr. Marc Faber is with us on the show today again, to talk to us about gloom and doom, and a little bit of boom – the gloom and doom report. We are going to uncover more of the numbers for you today and we’re taking it back to as far as 1977 to give us a better understanding of the current market and what makes it different from the past.
Listen now to learn more about the trends in the market from decades ago, what’s currently happening, and what is projected to happen in the next 12-18 months and beyond!
Follow Jason on TWITTER, INSTAGRAM & LINKEDIN
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Linkedin.com/in/jasonhartmaninvestor/
Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:00:32:26
448: Housing Bubble Myth, Shadow Demand, Lower Existing Home Sales, Increased Mortgage Rates, Outlook for 2023 with Rick Sharga
6/20/2023
Today, Jason is joined by Rick Sharga of ATTOM Data Solutions, licensor of the nation’s most comprehensive foreclosure data and parent company to RealtyTrac (www.realtytrac.com), a foreclosure listings and search portal.
Is there a looming housing crisis? Not according to the data! Listen in and get the facts minus the misinformation and hype from the YouTube click bait sensationalist ‘chicken littles’!
Know the facts and data that will serve as an indicator of trends in the single-family housing investment space across different markets. Note: This interview was done last December 2022. Rick is now with https://cjpatrick.com/
Quotables:
“93% of the people in foreclosure have positive equity.” – Jason Hartman
“Our data shows that about 6% of homeowners nationally are underwater on their loans. There’s half a percent of homeowners who are in foreclosure.” Rick Sharga
Mentioned:
Altos Research
Follow Jason on TWITTER, INSTAGRAM & LINKEDIN
Twitter.com/JasonHartmanROI
Instagram.com/jasonhartman1/
Linkedin.com/in/jasonhartmaninvestor/
Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/
Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund
CYA Protect Your Assets, Save Taxes & Estate Planning:
http://JasonHartman.com/Protect
Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals
Special Offer from Ron LeGrand:
https://JasonHartman.com/Ron
Free Mini-Book on Pandemic Investing:
https://www.PandemicInvesting.com
Duration:01:01:29
447: Demography Affects Real Estate, Income Property – Low Tech Asset Class, Supply Chain & Massive Worldwide Inflation, Neal Bawa
6/6/2023
Today Jason welcomes the ‘mad scientist of multifamily’ Neal Bawa of Grocapitus investments. They talk about how demography affects real estate, where the housing market is and where it might be headed and the factors affecting your investments. Neal is a technologist who is universally known in the real estate circles as the Mad Scientist of Multifamily. Besides being one of the most in-demand speakers in commercial real estate, Neal is a data guru, a process freak, and an outsourcing expert.
Neal treats his $1+ billion-dollar multifamily portfolio as an ongoing experiment in efficiency and optimization. The Mad Scientist lives by two mantras. His first mantra is that: We can only manage what we can measure. His second mantra is that: Data beats gut feel by a million miles. These mantras and a dozen other disruptive beliefs drive profit for his 800+ investors.
Watch the videos HERE and HERE.
Mentioned:
David Graeber, Debt: The First 5,000 Years
Ivy Zelman
Follow Jason on TWITTER, INSTAGRAM & LINKEDIN
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Duration:00:50:19
446: Unmasking the World’s Mysterious Bank: Tower of Basel Uncovered!
5/20/2023
Greetings still from Ecuador, which is on an elevation of 12,000 feet! Today Jason talks about another bank run and how this puts massive inflationary pressure on the entire economic system. He also talks about how new home sales proves Wall Street was wrong- saying low housing inventory is “fake news” and even how the MLS’ Active listings since 1982 chart confirms this!
And Jason interviews Adam LeBor, author of the book “Tower of Basel.” Adam takes us on a journey to uncover the history of the Bank for International Settlements, also known as the Tower of Basel. He explores the power and influence of this mysterious institution, which is said to be the central bank of the world’s central banks. Through interviews with experts and a deep dive into historical events, Adam gives us insight into the inner workings of the bank, its role in the global financial system, the complexities of the international banking system and the forces that shape it.
Key Takeaways:
Jason’s editorial
1:28 Greetings from an elevation of 12,000 feet!
2:22 Another bank run! and the massive inflationary pressure in the system
4:33 New home sales proving Wall Street was wrong
6:16 MLS Chart: Active listings since 1982
7:48 Demographics Exhibit 1: US population by age
9:11 Inflation Induced Debt Destruction and the 100% FREE financing opportunities
12:52 Using the Land To Improvement (LTI) ratio, Income property will keep on going strong
15:00 Keep listening to our Flashback Friday episodes and a few announcements
Adam LeBor’s interview
16:33 Welcome Adam LeBor
17:25 Distinguishing between the 3 big entities
18:34 Do all bankers participate
19:38 The shadowy history of this secret bank
21:35 The necessity of it’s existence
23:51 Coordinating between central banks
25:52 Flooding the market with cheap money and the psychological effects on society
28:47 Strange History- Hitler’s American Banker
31:49 “Money finds a way.”
33:16 The 30 year rule and their YouTube channel
34:48 The connection between the BIS and the euro
37:04 The European Union and the Euro
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Duration:00:41:46
445: Weekly Housing Inventory Changes, Mortgage Rates, Mike Simonsen Altos Research
5/6/2023
Jason also welcomes Mike Simonsen of Altos Research as they discuss the factors that keep people from selling their homes and how federal and tax policies contribute to the shortage in housing inventory! Moreover, these factors create more upward pressure on rents!
For more detailed information on the charts discussed in the show, visit AltosResearch.com.
Key Takeaways:
0:28 Introducing Mike Simonsen of Altos Research
1:20 Mike’s macro view and insights on the current housing market
4:20 There will be sellers who won’t be selling above the 5.5% mortgage rate
6:00 Factors that keep a lid on inventory for a long time- including fed and tax policies
10:20 Creating more upward pressure on rents
12:00 Total inventory home for sale – US Single Family
14:15 What is the chart not telling us?
17:32 Buyers have stopped buying especially at the 5% threshold
20:06 Median homes list prices – US Single Family
22:00 Where these pricing data come from and the median price on new listings
23:37 Possibility of larger homes not coming into the market in this time of the year
25:30 Weekly inventory change – US Single Family homes
31:00 Standard of living will give in; people will go down the socio-economic ladder
34:14 San Francisco Inventory: Weekly Single Family
35:09 Percent of homes taking price reductions, single family homes US national
37:48 Application for sellers and buyers; going ahead of the curve in your local market
41:09 Where do we go from here?
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Duration:00:43:15
444: Interest Rate Shock: What It Means For The Housing Market | Eric Basmajian, EPB Macro Research
4/22/2023
Jason Hartman welcomes Eric Basmajian, economic analyst and founder of EPB Macro Research. Jason and Eric discuss the rapid decline in real personal income and standard of living, how the rate shock will filter through to the housing market and much more. Eric also talks about the single most important variable to understand where the next 10 years of the real estate market are going and the four corners of an economy: income, consumption, employment and production.
How far do our dollars actually go and how do we measure the standard of living in real terms? Eric looks for inflection points in long term economic cycles, what he calls secular economic trends, and cyclical trends to better position people for what's on the other side. We now have a rate shock being pushed onto the private sector which will cause a lot of problems as it filters through to the housing sector. So if you have no new home sales, or no new construction, and you have no existing home sales, how is that going to impact employment in the construction sector? How is that going to impact hours worked or hourly earnings in the construction sector? And as higher costs are being pushed onto the private sector, whether it's construction, food or gas prices, we're seeing a rapid decline in real personal income.
Eric Basmajian is an economic analyst providing research on the most critical secular and cyclical economic trends impacting interest rates and asset prices.
Learn about Eric's secular and cyclical framework: https://www.epbmacroresearch.com/
Key Takeaways:
0:00 Welcome Eric Basmajian, founder of EPB Macro Research
1:12 The Fed and increasing rates - did they panic?
5:26 Are we in for a 30 year housing shortage?
8:36 Homes for sale and permits for new construction
10:53 Higher costs pushed onto the private sector
13:35 As private borrowing rates increase, result will be a huge pullback in spending
15:29 Savings rate has come down substantially
16:45 The Consumer Price Index is understated
18:46 Almost no first time buyer market anymore
21:19 Working age demographics around the world
25:45 Secular economic trend predictions for the next 3-5+ years
26:42 Transfer of wealth from baby boomers to millennials
29:33 The single most important variable to understand where the next 10 years of the real estate market are going
33:17 The demand curve is set by those demographics
35:27 Immigration can help the demographic curve
37:05 Four corners of the economy: income, consumption, employment and production
38:43 Increasing talk of recession
41:39 We live in a centrally planned economy
44:18 Learn about Eric's secular and cyclical framework: https://www.epbmacroresearch.com/
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Duration:00:45:54
443: How the Current Rental Market Is Affecting Real Estate Investors & Where to Go From Here with Steven Thomas
4/5/2023
On this episode, Jason brings on Steven Thomas Founder of ReportsOnHousing.com to give his feedback on the current state of the market and how it will affect things moving forward.
Utilizing his Quantitative Economics and Decision Sciences background coupled with his years of experience in the real estate field as a REALTOR®, broker, and executive of a multi-office real estate franchise, Steven Thomas delivers a report that captures the true essence of the current real estate market.
Most economic housing reports analyze and discuss closed sales data, a look at the market through the rearview mirror. Closed sales are a reflection of pending sales that are put together 30 to 60-days prior to the closing. Reports on Housing’s report is a close look at supply and demand, the current listing inventory, current pending sale activity, and the expected market time for homes placed onto the market today. It is more of a current real estate market dashboard than a look in the rearview mirror.
Key Takeaways:
0:00 Who is Steven Thomas?
1:00 Why are people hesitating to let go of their properties?
3:20 Have we ever been in a market like we have today?
4:20 How long will the impact of inflation affect the market?
9:30 Will mobile mortgages be implemented soon?
10:40 What will the CPI be like in the coming years?
13:40 How is inflation affecting society today?
16:00 Why is the model for supply and demand broken?
18:03 What markets are seeing inventory catching up to pre-COVID levels?
19:18 What will happen to wages in this high-inflation economy?
20:40 What should we be expecting to happen in the market?
22:20 What makes the current condition of the market different?
23:30 Why should people focus more on rental properties?
30:50 How can you reach out to Steven?
Links
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https://reportsonhousing.com/
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Duration:00:31:58
442: Two and Twenty: Insider’s Take on Private Equity Investing - Sachin Khajuria
3/20/2023
Jason Hartman welcomes Sachin Khajuria, investor and author of the newly released book Two and Twenty: How the Masters of Private Equity Always Win for a fascinating discussion on private equity investing. Private equity was once an investment niche, but many of its leading firms today control an amount of wealth that surpasses the GDP of some nations!
You hear a lot of people accusing private equity of underperforming or not creating any value. There is plenty of criticism against this sort of investment, but Sachin would disagree and in his book, he teaches you to identify the best opportunities which do very well. Sachin explores the future of private equity investing, how it has evolved and what can be done to make it more accessible.
Key Takeaways:
0:30 Welcome Sachin Khajuria, investor and author of Two and Twenty: How the Masters of Private Equity Always Win
1:45 Sachin’s macroeconomic outlook
3:09 Where continuous money printing has led us
4:08 It was a forced recession
4:57 Zombie companies of the S&P 500
6:30 The Russia Ukraine war continues to disrupt
7:12 Where to invest now?
8:22 Investing in private equity deals
9:40 You are probably already a customer of private equity
11:29 Private equity is highly active investing
13:06 Venture capital typically deals more with startups
13:58 Private equity aims to improve existing assets
15:40 Private equity has evolved into new spaces
16:11 Sachin’s book: Two and Twenty: How the Masters of Private Equity Always Win
19:53 Can regular middle class people invest in these deals?
21:19 Is my money safe? How stable are private equity firms?
23:01 Access to these investments will come with regulation and education
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36:56 Get Sachin’s fantastic new book to learn more!
Duration:00:27:19
441: Housing Inventory Falls, Silicon Valley Bank Collapse, Moral Hazard, Mismanaged Portfolio, Improper Risk Management, Alfonso Peccatiello
3/16/2023
Alf is Italian but is coming today from the Netherlands. He and Jason talk about some of the factors that contributed to the collapse of the Silicon Valley Bank, the largest bank failure since the 2008 financial crisis. They discuss the moral hazard involved, mismanaged portfolios and the lack of proper risk management- factors that culminated on the banks demise, making investors question whether this will spark a broader banking meltdown.
Key Takeaways:
Jason’s editorial
1:21 Hope you enjoyed last episode
2:03 Listen to Jason’s “10 commandments of successful investing”: Thou shalt maintain control!
4:38 Housing inventory keeps falling- where’s the crash?
7:10 Almost 25% of mortgages are 3% or lower
8:19 On to our guest with a deep dive into the current banking crisis
Alfonso Peccatiello interview
9:14 Alf, coming from the Netherlands
10:03 3 Bank collapses; a summary of what really happened
13:42 US Banks loan-to-deposit ratios
16:06 Moral Hazard and a mismanaged portfolio
19:16 Big banks hedge interest rate risks- NOT SVB
22:28 Lax regulatory and accounting laws in the US for small banks
23:34 Who benefited from the collapse
24:36 Securities portfolio mix as of December 31, 2022; distinguishing between small and highly regulated banks
29:29 SVB ‘woke’ programs and the lack of proper risk management
30:39 Bank failures 2001 to 2023; are more bank collapses coming
31:56 At risk: the real estate market; unaffordable housing leads to more renters
34:50 Compared to what
37:43 The booming labor market
39:02 Credibility & central banks; Blackstone & KKR, Jerome Powell & Paul Volcker
44:25 There is no distressed home owner
48:10 Institutional investors- what their capital stack or debt structure is like
49:32 Step up your macro game https://www.themacrocompass.com
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Duration:00:50:10
440: Silicon Valley Bank Run, Runaway Inflation, Banking System Collapse, Protect Your Assets, Inflation Induced Debt Destruction
3/14/2023
Listen in as Jason explains the debacle that is the Silicon Valley Bank collapse, the ripple effects it’s having in the banking community, the poison pill the FED has placed in the housing market and how it has painted itself in a corner. He also talks about what the government can do, how you can use his patented Inflation Induced Debt Destruction strategy to come out on top in these uncertain times and how you can protect your assets. Just go to https://www.jasonhartman.com/Protect for more details.
Key Takeaways:
1:18 Silicon Valley Bank and Bank Run: Margin Call
2:47 Catch the Ron Paul FlashBack Friday episode and thanks to all who attended the Alabama Property Tour
3:11 Fear of Contagion and a taxpayer funded bailout; the tech dot com bubble
7:09 Children in adult bodies and a history of manias
8:28 The SVB crisis explained
10:37 Runaway inflation or banking system collapse, memes
12:45 Signature bank and Silvergate; SVB holdings compared to other banks
20:32 Alf from Twitter
21:25 US bank loan-to-deposit ratios
22:55 While SVB collapsed, top executive pushed “woke” programs
27:16 Memes and more memes; CNBC’s Jim Cramer urged viewers to buy shares of SVB last month
30:41 Bank failures 2001 to 2023
32:17 SVB financial deposits, quarterly net change
33:35 SVB’s insured versus uninsured deposits
34:08 Biggest bank failures and the FDIC
35:01 FREE class: CYA protect your assets, save taxes and estate planning
36:38 The decision to bail out SVB
38:13 What can we do; the 2 year treasury yield and Inflation Induced Debt Destruction
Mentioned:
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Duration:00:43:21
439: Low Employment Rate Driving the Fed Nuts! Wes Gray, Alpha Architect
3/5/2023
Jason Hartman is joined by Wesley Gray, CEO of Alpha Architect for a fascinating discussion on inflation hedges and future scenarios for commodities and crypto.
How should we allocate risk right now? Why is crypto performing so poorly? Are we truly becoming a Banana Republic that does not end well? Jason and Wesley discuss a few things that you should always consider including keeping your tax rates down as much as possible. Fees and taxes are things you can often control, whereas we can’t control what the economy or inflation is going to do.
And why is crypto doing so poorly when it should, at least in theory, be the inflation hedge asset? Where’s Michael Saylor? Isn’t Bitcoin digital gold? Without a military behind it, will cryptocurrencies ever be truly viable?
Key takeaway:
0:28 Welcome Wesley Gray, CEO & Co-CIO, Alpha Architect – Empowering investors through education
1:31 How do we allocate risk?
3:17 What assets should you be owning right now? Stocks, commodities?
6:24 Controlling your tax rates
7:49 Will we see incredibly high interest rates needed to tame inflation?
8:31 We are becoming a Banana Republic and it won’t end well
10:05 Alpha Architect investment philosophies
11:38 Following trends in crypto, bonds & stocks
13:19 Why is crypto doing so poorly right now?
15:00 Ponzi schemes backed by military
16:07 The ability to inflict violence is what makes the world run
16:50 Freedom in Iraq vs Freedom in the US
18:03 Learn more and check out Wesley’s blog at AlphaArchitect.com and follow on Twitter! @alphaarchitect
Wesley R. Gray, Ph.D.
CEO & Co-CIO, Alpha Architect
After serving as a Captain in the United States Marine Corps, Dr. Gray earned an MBA and a PhD in finance from the University of Chicago where he studied under Nobel Prize Winner Eugene Fama. Next, Wes took an academic job in his wife’s hometown of Philadelphia and worked as a finance professor at Drexel University. Dr. Gray’s interest in bridging the research gap between academia and industry led him to found Alpha Architect, an asset management firm dedicated to an impact mission of empowering investors through education. Wes has published multiple academic papers and four books, including Embedded (Naval Institute Press, 2009), Quantitative Value (Wiley, 2012), DIY Financial Advisor (Wiley, 2015), and Quantitative Momentum (Wiley, 2016).
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Duration:00:18:56
438: Long Inflation Cycle Ahead: Here's Why | Patrick Ceresna, MacroVoices
10/27/2022
Welcome to today’s episode of The Creating Wealth Show where Jason Hartman reminds you that there is an important distinction to make between interest rates, housing affordability and the ability to qualify for a loan based on the usual things, such as credit score and debt-to-income ratio. There's a general overriding concept of credit availability, not directly related to interest rates: this is the willingness of lenders to lend and the ability of borrowers to borrow, measured by the Mortgage Credit Availability Index (MCAI). The credit supply is down, meaning it is now harder to get a mortgage than it used to be.
Jason Hartman welcomes Patrick Ceresna, Founder of Big Picture Trading and host of the MacroVoices Podcast to the show to talk about the current macroeconomic picture we are facing today. Patrick explains why our inflation problems are not going away anytime soon. The only mechanism which the central banks have to slow an economy is the cost of credit, reflected in interest rate policy. However, the problem in this cycle is that when the inflation is not driven by massive demand, but rather supply issues, then the ability for monetary policy to actually have an impact diminishes.
We are in the midst of a bear market on asset prices which may not have fully reflected into the real estate markets yet, but in terms of stock markets, bond markets, even slowly into commodities and other things, there has been a deflationary cycle in assets, while there's huge economic inflation because the central banks have begun a very important process of trying to attack inflation by slowing the economy. The only mechanism which the central banks have to slow an economy is the cost of credit, reflected in interest rate policy.
However, the problem in this cycle, and why you have the debate of inflation, stagflation, or deflation is that when the inflation is not driven by massive demand, but rather supply issues, then the ability for monetary policy to actually have an impact diminishes.
We’ve created all sorts of supply shocks that add further stress points that create additional cost delays and shipping and all sorts of other issues that are not going away. And it's not going to be solved by the Fed increasing another 75 basis points next month. This is a problem where inflation has to be solved by a bigger cycle playing out. And that, unfortunately, is not one that ends in three months. It's a problem that resolves over a couple years. Inflation is an issue that's not going away anytime soon.
Key Takeaways:
0:28 Welcome Empowered Investors from 189 countries world wide
1:07 Mortgage Credit Availability Index (MCAI)
2:21 The Great Recession, the mortgage meltdown and The Big Short
4:22 Credit supply in a credit based economy
5:54 Empowered Investor Pro - EmpoweredInvestor.com
8:08 Wall Street is the modern version of organized crime
9:18 Regulating the food supply
10:42 Messaging apps and insider trading
13:51 Last week, the Euro reached parity with the dollar
17:14 Downward pressure on the inflationary spiral
18:21 Why Dave Ramsey is wrong
20:46 Today’s guest PATRICK CERESNA, Founder of Big Picture Trading
21:34 Patrick’s current macroeconomic picture
23:41 Energy shortage - oil vs green
27:11 CPI inflation numbers could come down, but it’s no merit of the Fed
28:49 The 70s had three waves of inflation
30:38 The global pandemic was a unique event
33:24 What investments do you own in an environment like this?
37:35 Could derivatives crash the global economy?
40:41 There a global system risk, not just American
43:09 We are in a fourth turning and there will be some major financial institution reset eventually
45:20 The destruction of purchasing value is the driver of a monetary driven inflation
46:46 The US dollar rising right now is going to keep inflation in check
49:10 At the end of every bear market is a once a decade opportunity to buy a lot of cheap stuff
50:56 A good investor or trader knows...
Duration:00:54:39
437: Joseph Wang- Mortgage Rates Will Go Even HIGHER!
10/20/2022
Jason Hartman invites Joseph Wang aka The Fed Guy, to the show today. Who better to talk about the inner workings of the Federal Reserve than someone who actually worked there! Joseph Wang is a former senior trader on the open markets desk at the Federal Reserve and the author of Central Banking 101.
Jason and Joseph tackle the biggest question on everyone’s mind: will mortgage rates go higher? How much higher can they go? Why did the Fed wait so long to start quantitative tightening and raise rates? Why didn’t they do it more gradually?
Do you think Powell really thought inflation was transitory as he kept saying? It seems there was a political basis for him thinking that way, which filtered into policy and partially resulted in the huge inflation we're seeing right now. But what gives? If you don’t raise rates in order to avoid increased unemployment, then inflation will continue.
Joseph Wang also gives his take on the Fed’s response during times of economic crisis such as the Great Recession and the recent pandemic. Was it right of the Fed to get involved and stimulate the economy, or should they have let the economy and markets work themselves out?
Is the Fed part of a greater conspiracy? Is there a man behind the curtain pulling the strings? Joseph Wang tells all!
FedGuy.com
Key Takeaways:
0:28 Welcome Joseph Wang, former senior trader on the open markets desk at the Federal Reserve, author of Central Banking 101
1:33 Interest rates and mortgage backed securities
4:03 Quantitative easing - buying mortgages and treasuries, quantitative tightening - higher mortgage rates
7:21 Raising the borrowing rate above the inflation rate
9:33 Rents are going higher
11:36 Short term vs long term interest rates
12:55 Decreased labor supply and higher wages
14:33 China is the fastest aging country in the entire world
17:24 The Fed is absolutely political
21:37 Debt to GDP ratio and the dollar collapse
24:22 Why do other countries buy dollars?
27:53 Bloodbath in the cryptocurrency markets
29:53 Understanding the Fed - is there a man behind the curtain?
31:56 Was the Fed right to interfere during Covid and the Great Recession?
34:53 What is a shadow bank?
36:56 The story behind Long Term Capital Management
37:58 Economic outlook: be cautious with financial assets
39:36 Joseph Wang’s book Central Banking 101, learn more at FedGuy.com, follow Joseph on Twitter @FedGuy12
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Duration:00:41:40