The 2023 Predictions That Will Be Game Changing For The Future
2022 has been a year for the books. Is the madness just beginning or are we in for a rebirth of civilization?
What trends do I see for 2023?
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@MBINVESTING
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Is Artwork An Asset Class To Consider In 2023
A $1.7 Trillion Asset Class baby! What to do in 2023?
As art becomes an increasingly securitized asset class, growth in interest from the investor community will continue to mount. By understanding how art can be used as a strategic asset within a portfolio, investors will be able to improve both absolute and risk-adjusted returns, as well as further, protect against downside losses. Understanding art as an asset can better position investors, advisors, and asset managers to make intelligent investing decisions as the accessibility of investment products continues to improve.
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2
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Commerical Real Estate Market In 2023
U.S. recession to slow commercial leasing and investment in 2023: We will be dealing with continuing Inflation, Job Loses, Sovereign Debt Crisis, Supply Chain issues, and Title 42 ending.
14000 people coming across the border daily with limited resources to take care of these people
Let's topline review the current state of Multi-Family/Industrial Real Estate. What can we expect going forward?
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@MBINVESTING
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Federal Reserve Chairman Jerome Powell Has Stated We Have No Business Plan Going Into 2023
The Fed is winging it going forward. Jerome Powell said will have to see what happens going forward.
The Federal Reserve is rolling the dice going into 2023. Happy Holiday and a Marry Christmas
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@MBINVESTING
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TikTok Is Digital Fentanyl For Your Children
The CCP-controlled app is being used to spy on Americans and deliver propaganda to your children!
Currently a Bipartisan Bill currently on the table that would ban Tiktok Nationwide. So a bipartisan both democrats and republicans are moving forward with some steam. The bill would block any transactions from any social media company under the influence of China or Russia. We have our number 1 adversely controlling this app and destroying our kids.
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6
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Omnibus Spending Bill 2023 (Pork Bill)
EARMARKS ARE BACK BABY!
That is right ladies and Gentlemen….There are over 7,500 earmarks totaling $16 billion lawmakers are trying to negotiate to be in a year-long “omnibus” spending bill that would expire at the end of the current fiscal year — September 2023. Earmarks are making a comeback in full effect in President Joe Biden’s administration.
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Central Banks In The U.S. And Europe Will Move On Interest Rates This Week
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450,000 Homebuyers Who Bought In 2022 Are Underwater On Mortgages
This needs to be put in perspective! Select Market/Select Loan Types (VA LOANS).
Let's break it down.....Don't panic!
About 270,000 homebuyers who bought during the red-hot housing market this year already owe more than their house is worth, a new analysis found.
Among the 450,000 underwater borrowers in the third quarter, nearly 60% had mortgages originated in the first nine months of 2022, Black Knight found. That's about 1 in 12 homes purchased in 2022 with a mortgage, or 8%. Nearly 40% of homes bought this year have less than 10% of equity left to tap.
Lower-income households are hurt the most
Borrowers with purchase loans backed by the Federal Housing Administration (FHA) or Veterans Affairs (VA) were most likely to have slipped underwater, the report found. These are more popular among first-time and lower-income buyers.
Those with FHA loans faced the largest equity challenges, Black Knight found, with more than 25% of folks with FHA loans falling underwater. Additionally, some 80% had less than a 10% equity stake in their homes.
Early-payment defaults (EDP) — loans delinquent within six months of origination — were also rising across product types in recent months with the largest increases among FHA borrowers over the past year. As of October, EDP rates for FHA loans were 150% above 2013-2018 levels, and 25% above their early 2000 averages, the report found.
By contrast, early-payment defaults among those with conforming loans were more than 70% below early 2000 levels, and VA loans were less than half that same threshold.
“Such loans [FHA] rely on rising home values and principal pay-downs over time to gradually improve their equity position,” Graboske said. “This is ... unfortunately, a potentially vulnerable cohort that we will continue to keep a close eye on in the months ahead.”
Recent buyers at greater risk
Most of the folks at risk of having their loans slip underwater were those who purchased when home prices were at their highest, Black Knight found. At least 10% of June purchase originations – when home prices peaked at $438,000 – were underwater, with more than 30% having less than 10% equity.
Although home prices have cooled for the last seven months, with prices now 3.2% down from June’s high, the pricing adjustment hasn’t been enough to ease homebuyers' affordability concerns.
“In a world of interest rates 6.5% and higher, affordability remains perilously close to a 35-year low,” Graboske said. “Risk among earlier purchases is essentially nonexistent given the large equity cushions these mortgage holders are sitting on. More recent homebuyers don’t fare as well.”
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Epic Playa Del Carmen (Mamitas Beach) Penthouse Condo For Rent
Epic 2 Bedroom 3.5 Bath Penthouse Condo is available for rent!
I have a delicious property that just came off a one-year lease that is available for rent. It is the best unit in the building! Top floor penthouse end unit. Very private. WE ARE THE OWNERS AND PROPERTY MANAGERS. SO FEEL CONFIDENT TO BOOK DIRECT THROUGH US. EMAIL: Rates vary depending on the season.....Please email for more details:
info@mbglobalestategroup.com
This condo very rarely comes on the market! This will rent fast. We have two other properties available for rent in Mexico (Condo and Single-Family). Open to a short or long-term lease arrangement.
OTHER PROPERTIES AVAILABLE RIGHT NOW: in our Portfolio. We have other properties that are available privately and two below that are currently listed!
1. https://www.vrbo.com/2384528?adultsCount=1&unitId=2951086
2. https://www.vrbo.com/2415975?adultsCount=1&unitId=2983676
We have been buying and selling property in Mexico for 16 years. Interested in renting or buying we have the experience and connections in place to ease your heartburn and increase your profits.
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8
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IRS Warns Taxpayers Of New $600 Threshold For Third-Party Payment reporting
What happened to those billionaires? I guess the Biden Administration changed their mind!
The Internal Revenue Service is reminding tax filers to prepare to report transactions of at least $600 that are made through so-called “third-party” facilitators such as Venmo and PayPal.
The agency on Tuesday posted an explainer warning American business owners earning $600 or more per year on payments that are received through apps such as Cash App, Venmo, and PayPal that they will receive a tax form known as Form 1099-K.
The IRS is interested in obtaining data pertaining to transactions involving part-time work, side gigs, and selling goods, according to the agency.
The rule does not apply to noncommercial payments like reimbursing someone for food or rent or other one-off transactions such as selling an old piece of furniture, according to accountants.
Before this year, the threshold for filing a Form 1099-K report was at least 200 transactions totaling an aggregate of at least $20,000.
When Congress passed the American Rescue Plan Act of 2021, it included a provision that reduced the reporting threshold to a single transaction over $600.
The Biden administration hopes that by reducing the threshold, the measure will crack down on Americans evading taxes by not reporting the full extent of their gross income.
The proposal was offered as a way to help pay for a $3.5 trillion social spending bill that would invest in climate programs, child care, and education.
Tommy Lucas, an Orlando, Fla.-based certified financial planner, told CNBC that filers must include any sum that is reported on Form 1099-K as part of their business income.
Failure to do so could trigger an audit since the IRS obtains a copy of Form 1099-K directly from the third-party payment facilitator.
But the provision has been met with pushback from sites like Etsy and eBay, who joined with smaller retailers to create the “Coalition for 1099-K Fairness,” which they say is aimed at protecting “casual online sellers and micro businesses from unfair tax and privacy burdens.”
Earlier this year, President Joe Biden signed into law the Inflation Reduction Act, which includes a provision that will lead to the hiring of 87,000 additional IRS agents.
The nonpartisan watchdog Joint Committee on Taxation said it anticipates that between 78% and 90% of the estimated $200 billion that the IRS will collect as a result of the bolstered workforce will come from small businesses.
President Biden and the Democratic Party have insisted that Americans earning less than $400,000 annually would not have to pay a cent more in taxes.
But the Joint Committee on Taxation disputes this, saying that between 4% and 9% of the money collected will come from businesses that earn above $500,000 a year.
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@nonconforming-conformist
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Credit Card Debt Skyrockets Amid Higher Inflation
Household debt soars at the fastest pace in 20 years as credit card use surges, Fed report says. More Americans racking up credit card debt as inflation rages.
Inflation forcing more Americans to pile up credit card debt. more Americans racking up credit card debt as inflation rages
Inflation forcing more Americans to pile up credit card debt
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@nonconforming-conformist
3
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The Trifecta Of Life (Spirit Mind & Body)
Are you business planning for 2023? It starts now!
It is the climb up the mountain that is the funniest! My 3 keys to opening the right doors in life have been out of order for a long time. I am now on the right track. 9 1/2 months of no gym actively--the realignment starts now!
Yes.....I bring my BriefCase Everywhere--You never know when you're going to have to access the 3 keys to life!
1. Spirit
2. Mind
3. Body
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@Tim McClone
4
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Coffee The Nectar Of Gods
Number 13 of my 44 pearls for Health & Fitness!
Key takeaways:
1. Do not drink on an empty stomach first thing in the morning
2. Black coffee has the best health Benefits! Do not add in all the sugars.
3. Wait for 2-3 hours upon wakening before eating breakfast
Coffee is a drink prepared from roasted coffee beans. Darkly colored, bitter, and slightly acidic, coffee has a stimulating effect on humans, primarily due to its caffeine content. It is the most popular hot drink in the world.
The seeds of the coffee plant's fruits are separated to produce unroasted green coffee beans. The beans are roasted and then ground into fine particles that are typically steeped in hot water before being filtered out, producing a cup of coffee. It is usually served hot, although chilled or iced coffee is common. Coffee can be prepared and presented in a variety of ways (e.g., espresso, French press, caffè latte, or already-brewed canned coffee). Sugar, sugar substitutes, milk, and cream are often used to mask the bitter taste or enhance the flavor.
Though coffee is now a global commodity, it has a long history tied closely to food traditions around the Red Sea. The earliest credible evidence of coffee drinking in the form of a modern beverage appears in modern-day Yemen from the mid-15th century in Sufi shrines, where coffee seeds were first roasted and brewed in a manner similar to current methods. The Yemenis procured the coffee beans from the Ethiopian Highlands via coastal Somali intermediaries and began cultivation. By the 16th century, the drink had reached the rest of the Middle East and North Africa, later spreading to Europe. In the 20th century, coffee became a global commodity, creating different coffee cultures around the world.
The two most commonly grown coffee bean types are C. arabica and C. robusta. Coffee plants are cultivated in over 70 countries, primarily in the equatorial regions of the Americas, Southeast Asia, the Indian subcontinent, and Africa. As of 2018, Brazil was the leading grower of coffee beans, producing 35% of the world's total. Green, unroasted coffee is the most traded agricultural commodity and one of the most traded commodities overall, second only to petroleum. Despite sales of coffee reaching billions of dollars worldwide, farmers producing coffee beans disproportionately live in poverty. Critics of the coffee industry have also pointed to its negative impact on the environment and the clearing of land for coffee growing and water use.
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18
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Cop 27 Climate Reparations To Third World Countries From United States Tax Payers
Biden’s Insane bid to pay ‘poor nations’ for ‘climate reparations’
I am all in for green energy, however, this is not path forward!
This will cost US taxpayers trillions and trillions over 20-plus years.
It will turn the US into a nation of surfs to mirror the China model
Americans have suffered enough thanks to green-agenda idiocy at home: Limiting fossil-fuel production, despite a lack of viable alternatives, have energy prices skyrocketing, while most green subsidies amount to nothing more than corporate welfare.
Republicans, who now narrowly control the House, need to block any US money from being shipped out to fund “climate reparations.” Biden & Co. will likely offer US dollars anyway, via the World Bank and other international entities that US taxpayers already help support. But that’s just another reason to vote out the president and Democrats like him in 2024.
Climate reparations are loss and damage payments for damage and harm caused by climate change, which may include debt cancellation. The term climate reparations differ from simple "loss and damage," in that is based on the concept of reparations, that compensation holds countries accountable for historical emissions, and is an ethical and moral obligation.
"The idea behind calls for loss and damage funding is that the countries that have done most to pollute the atmosphere, and grown rich doing so, should compensate," according to The New Republic.
In a pathetic bid to “show results” from the latest global climate-change confab, the Biden administration followed Western Europe’s hysterical lead by signing on to a lunatic “climate reparations” scheme.
It’s beyond outrageous. It won’t even bring any progress in reducing global carbon emissions, the supposed goal of the COP-27 meetings. If it works as promised, it’s just another wealth transfer from wealthy nations to the (largely corrupt) governing class of poor countries.
The just-ended climate talks in Egypt brought few if any new commitments to reduce emissions; too much of the developed world are racing to find new sources of gas, oil, and even coal in the energy crisis triggered by Russia’s war on Ukraine.
So, instead, the “we need some progress” crew opted for vows from wealthier countries, supposedly the biggest climate-change offenders, to fork over funds to poorer ones claiming to have suffered “losses and damage” from climate-triggered natural disasters. (The United States had resisted the deal but caved after the European Union signed on.)
COP27 countries strike a deal to create climate fund for at-risk nations
World leaders hope to finalize the fine print (i.e., who pays what to whom, and how) over the next year, but America will surely be squeezed for the biggest sums of all. Meanwhile, China — which spews more CO2 than the United States and Europe put together — is exempt because UN climate-change rules consider it a “developing” nation.
No matter that Western nations already ship billions to poorer ones, in the form of general economic aid and to promote climate measures. Nor are most of the Third World “climate-caused disasters” clearly that: It’s just that global media, fully on board with the hysteria, refuse to check the favored narrative.
Nor will average citizens of countries that get funds likely ever see a cent of the new aid themselves: The narrative demands ignoring how their kleptocratic leaders behave. These countries count as “victims,” so no questions can be asked.
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@Tim McClone
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5 Real Estate Investing Trends For 2023
Top-line review of Real Estate Trends for 2023.
Time to start the business planning for 2023!
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@Tim McClone
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The FedCoin Has Arrived
Fedcoin: The U.S. Will Issue E-Currency That You Will Use.
Interesting timing with FTX Situation!
The U.S. Federal Reserve will not only issue its own cryptocurrency but will also make sure Americans use it.
Fedcoin refers to cryptocurrency and/or protocol established by a central bank. National banks could forge their own ‘bitcoin’ with comparative ease and bitcoin consultants have sketched possible scenarios on how.
In “Some Thoughts on Fedcoin – a Fed backed cryptocurrency” (March 9, 2015), Albert Szmigielski suggests, “[T]he Fed should premine all the currency that they want to issue on a blockchain….A premine happens where all (or part of) the cryptocurrency is issued in the first block, the genesis block. Then the Fed would just exchange the fedcoin for a dollar each.”
In the article entitled “Fedcoin” (October 19, 2014), J.P. Koning speculates, “The Fed would create a new blockchain called Fedcoin. Or it might create a Ripple style ledger by the same name. It doesn’t matter which. There would be an important difference between Fedcoin and more traditional cryptoledgers. One user—the Fed—would get special authority to create and destroy ledger entries….The Fed would…provide two-way physical convertibility between both of its existing liability types—paper money and electronic reserves—and Fedcoin at a rate of 1:1.”
Koning draws upon the work of mathematician and economist Sina Motamedi for “a more technical explanation for how this would work in the case of a blockchain-style ledger.” Motamedi advises, “The simplest way for a central bank to create its own crypto-currency is for it to fork the Bitcoin protocol into a new protocol that is unchanged in every way except that, going forward, the central bank would set and adjust the block mining reward at its discretion…. [L]ike paper currency, the central bank’s crypto-currency would be both decentralized (in transaction) and centralized (in supply).”
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29
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The FTX Ponzi Scam Scandal
Let's break down the implosion of the FTX cryptocurrency exchange. The revolving door of government and corporate corruption has been exposed by the FTX meltdown. Don’t be surprised if this mess becomes the catalyst for government overreach of cryptocurrencies.
IS sam bankman-fried JUST THE FRONT MAN TO THIS SCAM! HOW DEEP DOES IT GO?
Bottom Line FTX violated its own terms of service and misused user funds!
What did he do with the monies?
1. Misappropriated 4 billion for his failing hedge fund
2. 21 million on Super Bowl commercials
3. Give 5 million to Biden Administration
4. Give 40 million TO democrats in camping donations. 2nd only to George Soros.
His Statement:
Hi all,
Today, I filed FTX, FTX US, and Alameda for voluntary Chapter 11 proceedings in the US.
I’m really sorry, again, that we ended up here.
Hopefully, things can find a way to recover. Hopefully, this can bring some amount of transparency, trust, and governance to them.
Ultimately hopefully it can be better for customers.
This doesn’t necessarily have to mean the end for the companies or their ability to provide value and funds to their customers chiefly, and can be consistent with other routes.
Ultimately I’m optimistic that Mr. Ray and others can help provide whatever is best.
I’m going to work on giving clarity on where things are in terms of user recovery ASAP.
I’m piecing together all of the details, but I was shocked to see things unravel the way they did earlier this week.
I will, soon, write up a more complete post on the play-by-play, but I want to make sure that I get it right when I do.
Be Creative and kind!
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@Tim McClone
36
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Sell Your future Home Equity For A Downpayment
Companies backed by some of the world's biggest investors are doling out tens of thousands of dollars in cash to homeowners in exchange for a stake in their homes.
This makes me nervous! Let's delve into this madness!
A handful of companies offer homeowners cash in exchange for a stake in their homes.
The next frontier: making similar investments to buyers who need help with a down payment.
Companies face significant obstacles to bringing this product mainstream.
Be Creative and kind!
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@Tim McClone
4
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Corporations Are Creating A Nation Of Renters
We are going to create a more Angry world and you will own nothing and be Happy. "Klaus Schwab"
Remember To Get Out And VOTE Next week and let your VOICE be heard! It is time to make AMERICA SING AGAIN!
Walt Whitman, ‘I Hear America Singing’.
I hear America singing, the varied carols I hear,
Those of mechanics, each one singing his as it should be blithe and strong,
The carpenter singing his as he measures his plank or beam,
The mason singing his as he makes ready for work, or leaves off work,
The boatman singing what belongs to him in his boat, the deckhand singing on the steamboat deck,
The shoemaker singing as he sits on his bench, the hatter singing as he stands
Be Creative and kind!
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@Tim McClone
12
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Buying/Selling/Investing Property Ibiza Spain
In Today's video, we are talking To Lars Bruun – CEO of ZAN Ibiza Real Estate! Lars has been working In Ibiza Real Estate for 20-plus years. ZAN IBIZA Real Estate is an independent real estate business. somewhat different than traditional agencies.
We have access to many off-market deals because of our relationship with other owners on the island and Zen Ibiza Real Estate.
https://www.zanibiza.com/
At MBGlobalRealEstate Group we partner with the most innovative and customer-focused companies around the globe. We just don't partner with companies in other countries. We own property in the countries that we set up partnerships with and have a deep understanding of the local markets we are invested in. We have a special partnership with ZEN because we are not just partnering up-we are owners on the white island and bringing a unique perspective to help buyers/sellers and investors.
We are partnered with Concrete Real Estate Group in Los Angeles Ca. Scott Gorelick is a top 1% Los Angeles Real Estate Professional. He is also very passionate about Real Estate Development like us and is currently building a stunning development in Encino CA. We have you covered locally and Globally for your Real Estate needs.
for more information: info@mbglobalestategroup.com
Current Rental Property in Ibiza Spain: https://youtu.be/ua-bNJIDqr4
We are based in Los Angeles, CA, and London, UK.
Be Creative and kind!
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@Tim McClone
131
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My Case For Not Drinking Alcohol
Number 12 of my 44 Pearls for Health & Fitness!
Alcohol is overall bad news! However, Moderation is key in anything in life!
Alcohol has been detected as the fourth leading cause of chronic health problems and preventable causes of death. According to the World Health Organization, alcohol abuse caused 3 million deaths worldwide only in 2016. That is around 5% of the world’s total deaths, with impressively high costs estimated at 245 billion dollars in 2010.
Alcohol most commonly refers to:
Alcohol (chemistry), is an organic compound in which a hydroxyl group is bound to a carbon atom
Alcohol (drug), an intoxicant found in alcoholic drinks
Alcohol may also refer to:
1 Chemical
2 Music
3 Other uses
Chemicals
Ethanol is one of several alcohols, commonly known as alcohol in everyday life
Alcoholic beverage, sometimes referred to as "alcohol", is any drink containing ethanol
Surrogate alcohol is any substance containing ethanol that is intentionally consumed by humans but is not meant for human consumption
Methanol is a commodity chemical that can serve as a precursor to other chemicals
Alcohol fuel, a fuel containing alcohol
Alcohol powder, a powdered form of alcohol
Fusel alcohol is a mixture of several alcohols (chiefly amyl alcohol) produced as a by-product of alcoholic fermentation.
Alcohols (medicine), the use of alcohols in medicine
Rubbing alcohol, a solution of denatured or isopropyl alcohol used in medicine
Be Creative and kind!
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@Tim McClone
46
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Mortgage Rates Are Going Up-2008? Not So Fast
We are currently in London UK working with Real Estate Professionals and getting ready to rehab a property! We are you,r global Partners: MBGLOBALREALESTATEGROUP
A lot of Doom and Gloom out there! Panic Porn level 10! Let's break down the data and get into the details.
Be Creative and kind!
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@Tim McClone
6
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Housing Price Drops Equals Opportunity Zones For Investors
Today's video will review the US market and opportunity zones for investors.
Be Creative and kind!
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#chase #nft #elonmusk #interestrates #kimkardashian
@Tim McClone
5
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This Is So Big It Is Going To Change The World
Interesting times to be alive right now. I am all in for Green Energy, however, we don't have the infrastructure to make it work right and wind/solar can not power a modern economy right now. As inflation spirals out of control, a war in Ukraine, recession, starvation in developing countries, and an increase in major crime throughout our cities-- The number ONE issue facing the American people right now according to the media and Whitehouse is global warming/climate change
*Even If US Cut CO2 Emissions 100%, World Would Only Be 0.137 Degrees Celsius Cooler by 2100
Speaking in Paris, John Kerry Secretary of state said:
“The fact is that even if every American citizen biked to work, carpooled to school, using only solar panels to power their homes, if we each planted a dozen trees, if we somehow eliminated all of our domestic greenhouse gas emissions, guess what – that still wouldn’t be enough to offset the carbon pollution coming from the rest of the world.
“If all the industrial nations went down to zero emissions – remember what I just said, all the industrial emissions went down to zero emissions – it wouldn’t be enough, not when more than 65 percent of the world’s carbon pollution comes from the developing world.”
He’s exactly right. Paul Knappenberger and Patrick Michaels estimate that the climate regulations the Obama administration is imposing on the energy sector – costs that will be passed down to households – will avert a meager 0.018 degrees Celsius of warming by the year 2100.
In fact, the U.S. could cut 100 percent of its CO2 emissions and it would not make a difference in global warming.
1. https://www.youtube.com/watch?v=m3hHi4sylxE&t=34s
2. https://nypost.com/2021/01/27/kerry-zero-emissions-wont-make-difference-in-climate-change/
3..https://www.realclearpolitics.com/video/2021/01/27/climate_czar_john_kerry_we_could_go_to_zero_tomorrow_and_the_problem_wouldnt_be_solved.html#!
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@Tim McClone
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National Home Foreclosure Update
Foreclosures have seen the largest increase in the month of August 2022.
Not all doom and gloom! Must look at regional sectors and state activity to get a better understanding of the data. I smell some opportunity!
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@Tim McClone
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