Anonymous ID: 6918a5 May 14, 2021, 12:59 p.m. No.13661859   🗄️.is đź”—kun

First-time home buyers squeezed in tight housing market

 

Young people aspiring to buy their first home are already facing disappointment this year.

 

Rising prices are putting more homes out of reach, and pickings are slim because few properties have come onto the market this spring, when sales are supposed to take off.

 

Millennials are also burdened by heavy school debt and depleted savings that hurt their ability to qualify for a mortgage. Until their incomes start to rise meaningfully, many will be forced to keep hunting for a home while delaying the dream of ownership. This has weighed on overall home sales and economic growth throughout the rebound in housing the past three years.

 

“People need to see more money in their paychecks before they’ll take the plunge into homeownership,” said Greg McBride, chief financial analyst at Bankrate.

 

If early signs are any indication, there won’t a noticeable jump in new homeowners during the spring.

 

Amy Arnold and her husband began looking at listings in Denver late last year. The 28-year-old apparel buyer quickly found that the few homes in the couple’s price range got snapped up for more than asking price, leaving her exasperated at how “crazy” the market seemed.

 

For now, the couple has decided to keep renting a two-bedroom, one-bath house for $1,300 a month, hoping to have more money and find a better selection of homes once they jump back into the market.

 

“It’s very discouraging,” said Arnold. “Hopefully next year we will be able to buy, but there’s a chance we may have to rent again.”

 

Home prices nationwide have risen at more than double the pace of average hourly wages, making it harder for buyers to find the extra funds to save for a down payment.

 

In Denver, a limited roster of homes has fueled the rising prices and given sellers the upper hand. Forty percent of homes that sold in February went for more than the asking price, according to online real estate broker Redfin. That’s up from 21 percent a year earlier. In addition, half of the homes on the market went under contract in eight days or fewer.

 

“Typically, January, February even March are not quite as highly competitive as when you go into the spring months,” said Ilona Botton, a Redfin agent in Denver. “That’s not how it was this year. It has been multiple offer situations every single month.”

 

The limited supply of homes is widespread. In March, one measure showed it would take fewer than five months to sell all the previously occupied homes in the U.S. In a market more balanced between buyers and sellers, it would take about six, according to the National Association of Realtors.

 

What’s more, heavy demand for low-priced homes means their prices are rising faster. Homes priced at $135,000 or less jumped 9 percent for the year ending in February, according to data from CoreLogic. Homes that priced at $226,800 or more climbed 5 percent over the same period.

 

Beyond offering more money, some buyers are willing to waive home inspection or give sellers several weeks to move out following a sale, said Redfin’s Botton.

 

In general, areas with fewer homes for sale have stronger job growth that eclipses the pace of construction. Areas with larger inventories tend to keep the availability of housing in line with job growth.

 

In Columbus, Ohio, aviation company executive Ryan Holtmann had plenty of options. He and his wife started shopping for their first home at the end of last year. The couple visited about 15 to 20 houses before buying a three-bedroom home for $154,900 at the end of February.

 

https://www.mercurynews.com/2015/05/12/first-time-home-buyers-squeezed-in-tight-housing-market/

Anonymous ID: 6918a5 May 14, 2021, 1:25 p.m. No.13662013   🗄️.is đź”—kun   >>2069

>>13661945

Thank you. Ronald Bernard is not dead. He was falsely reported on Sept 2017, but he was alive and giving lectures 5 months ago.

 

Reported September 17, 2019

Ronald Bernard, Dutch Banker Who Exposed Illuminati, Found Dead

https://www.genuinechristianitynow.com/2019/09/17/ronald-bernard-dutch-banker-who-exposed-illuminati-found-dead/

 

Ronald Bernard - Full lecture It's in our hands - Subs available

https://www.youtube.com/watch?v=oI5k-mNYpbY

Anonymous ID: 6918a5 May 14, 2021, 1:50 p.m. No.13662150   🗄️.is đź”—kun   >>2248 >>2438

2021 Mar;75(3):e13795.

doi: 10.1111/ijcp.13795. Epub 2020 Dec 4.

Informed consent disclosure to vaccine trial subjects of risk of COVID-19 vaccines worsening clinical disease

 

Abstract

 

Aims of the study: Patient comprehension is a critical part of meeting medical ethics standards of informed consent in study designs. The aim of the study was to determine if sufficient literature exists to require clinicians to disclose the specific risk that COVID-19 vaccines could worsen disease upon exposure to challenge or circulating virus.

 

Results of the study: COVID-19 vaccines designed to elicit neutralising antibodies may sensitise vaccine recipients to more severe disease than if they were not vaccinated. Vaccines for SARS, MERS and RSV have never been approved, and the data generated in the development and testing of these vaccines suggest a serious mechanistic concern: that vaccines designed empirically using the traditional approach (consisting of the unmodified or minimally modified coronavirus viral spike to elicit neutralising antibodies), be they composed of protein, viral vector, DNA or RNA and irrespective of delivery method, may worsen COVID-19 disease via antibody-dependent enhancement (ADE). This risk is sufficiently obscured in clinical trial protocols and consent forms for ongoing COVID-19 vaccine trials that adequate patient comprehension of this risk is unlikely to occur, obviating truly informed consent by subjects in these trials.

 

Conclusions drawn from the study and clinical implications: The specific and significant COVID-19 risk of ADE should have been and should be prominently and independently disclosed to research subjects currently in vaccine trials, as well as those being recruited for the trials and future patients after vaccine approval, in order to meet the medical ethics standard of patient comprehension for informed consent.

 

https://pubmed.ncbi.nlm.nih.gov/33113270/

Anonymous ID: 6918a5 May 14, 2021, 2:08 p.m. No.13662248   🗄️.is đź”—kun

Baker >>13662190

 

Just a question: You don't think this >>13662150 is important?

 

Dr. Fauci came to NIH as a clinical associate in the NIAID Laboratory of Clinical Investigation.

https://www.niaid.nih.gov/research/anthony-s-fauci-md

 

Dr. Fauci was appointed Director of NIAID in 1984.

 

NIH, its own website says:COVID-19 vaccines designed to elicit neutralising antibodies may sensitise vaccine recipients to more severe disease than if they were not vaccinated and will cause a long term illness?