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Coldwell Banker
3045 W Agua Fria Freeway
Phoenix Arizona 85027
Understanding the 2015 Homebuyer and Seller
January 6, 2015
It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness… - in short, the period
was so far like the present period, that some of its noisiest authorities insisted on its being received, for good or for evil, in
the superlative degree of comparison only.
Charles Dickens, A Tale of Two CitiesEnglish novelist (1812 - 1870)
Things We Will Not Discuss
• Arizona Cardinals
• Ryan Lindley
• Any Kardashian Family Member
• The Diamondbacks
Things We Will Discuss
• Oil
• Interest Rates
• Local Real Estate
• Economic Outlook for 2015
30-year Fixed-Rate Mortgage From 1980
Crude Oil Prices: West Texas Intermediate (WTI)
Crude Oil Prices: Brent - Europe
30-year Fixed-Rate Mortgage From 2008
30-year Fixed-Rate Mortgage From 2013
Long-Term Housing Prices Adjusted for Inflation
MBA Weekly Mortgage Applications
MBA Weekly Mortgage Applications
Where are interest rates headed?
Consumer Price Index 2008 -
Consumer Price Index 2013 -
Civilian Unemployment Rate
Certain information, charts, and data for this presentation
comes from the following sources:
Monsoonwealth.com - http://monsoonwealth.com
CalculatedRISK - http://www.calculatedriskblog.com
St Louis Federal Reserve - http://www.stlouisfed.org
866.931.1846480.319.7724
Preserving tomorrow’s wealth by managing today’s global economic risk.
Disclaimer: The material appearing in this email is based on data and information from sourceswe believe to be accurate and reliable. However, the material is not guaranteed as to accuracy nordoes it purport to be complete. Opinions and projections, both our own and those of others,reflect views as of dates indicated and are subject to change without notice. The contributionsand opinions of others do not necessarily reflect the views of Marvin Clark or Monsoon WealthManagement. Nothing appearing in this email should be considered a recommendation to buy orto sell any security or related financial instrument. Investors should discuss any investment withtheir personal investment counsel. Past performance does not guarantee future results.
MonsoonWealth Management
Marvin R. ClarkManaging Principal
Chief Economist and Strategist
