US home ownership

The Silent Depression: Unraveling Economic Illusions

Posted on by Helena

THE SILENT DEPRESSION:   No one wants to say it out loud for fear the realization will cause anxiety and chaos and the shuttering of the Biden Regime’s illusion.. The illusion must be maintained at all costs. Algorithm disparities are ignored.   ADP Payroll claims new private jobs for September were 82,000, while the Federal Labor Board claims 336,000 – a discrepancy of over 300%!   The unemployment rate is a similar catastrophe.   But the pretense is collapsing and the Silent Depression is the Result.

During The Great Depression, the ‘average annual salary’ was $1500 -$1800.   A car cost $300-$575, a house cost $3900 down from a high of roughly $7000 in 1929.   From a simple mathematical view, a house cost 260% of a household salary at the height of the Depression.

The median household income in Denver County, Colorado for the Gen Z’ers aged 25-44 is roughly $87,239 – take home pay after taxes is $64,600.   The average cost for a home is $649,000 or 745% of annual Gross Income a 7.5:1 ratio

The cost of living in Colorado for a single person is now considered to be $53,374 – with rent accounting for the greatest cost – $24,000 to $30,000 per year.   The average monthly car payment is $716 or $8600 rounded.   Groceries are $7000.   But affording to buy a home at a price point of $649,000 with mortgage rates hitting 8%?   Including Taxes and Insurance – the monthly cost in Denver is $4680, annual $56,160, with a downpayment of $130,000 cash.    Obviously, the cost of living does not include – ownership.

Pricing people out of purchasing homes across the country means the housing market comes to a standstill, because the vast majority of occupied homes were bought when interest rates were just 2.5% and values were $550,000.

The largest differential in the comparison of today vs The Great Depression is that prices across the board tanked upwards of 60%, including the basics, food, housing, gas, and cars.   Today, prices continue to rise superficially. And as a result, people are getting pushed into insurmountable debt.

The fact that housing and material goods have far outpaced salaries has nothing to do with the mantra of supply & demand. There is no shortage of houses.   In Denver, the vacancy rate for apartments is 5.6%.   There are roughly 3500 homes for sale with buyers sitting on the sideline and sellers coveting what they have.

The illusion that all is well with the economy is to keep people overspending.   As long as people are led to believe everything is good despite 25% – 50% inflation, the hypnosis belies reality and people continue to spend themselves into debt.   Don’t worry – Be Happy!

It is the exact same mantra employed by the Federal Government in their own spending spree!   With debt now standing at a whopping $33 Trillion – 123% of GDP – monthly interest rate 2.92% = which results in a NET Payment of $745 billion in 2024.   All of which hinges on The Federal Reserve.   The same Federal Reserve tasked with balancing the budget and maintaining a noninflationary economy… The same Federal Reserve that has reduced the purchasing power of a dollar to just 4 cents since their inception in 1913.

The same Federal Reserve that gave us The Great Depression and should have been dissolved on the spot for gross mismanagement.   And the same Federal Reserve that supports The Great RESET to cover for their massive Ponzi Scheme that has broken the back of the US economy.

Put in smaller numbers;   imagine only ever paying the interest on your credit card while continuing to spend more on your credit card and never paying the principal?   Your entire lifetime times 3 generations.

In essence, the Federal Reserve redistributed that 96 cents on the dollar to them self, which is how the elite of today were created and the income discrepancy became so vast and the power became more collectively communist.   In Bolshevik USSR this led to famine, particularly among urban dwellers who produced nothing.

The only means for this disparity to not occur would be for every aspect of the economy to move at the exact same rate increase, or not move at all.  

Never going to happen under ANY form of government.  Because, government by its very definition is a power vacuum built on greed. Leading to boom-bust societies and civilizations.

The concept of the RESET or Omidyar’s Five Pillars or Protocols of Value, are utopian on paper and fail to take into account the sloth of greed which corrupts every society from societies beginnings.   Certainly abolishing the military industrial complex would mean that the efforts to build rather than destroy could be harnessed to focus on prosperity.   But prosperity means income inequality. Always has – always will.

The price of gold since 1930 has risen roughly 6,300%.   But the price of a house has risen 21,667% over the same time frame.   FDR artificially levied a fixed price on gold at $35 per ounce where it flexed to $45 until 1971 when all hell broke loose.   At this point, the dollar was clearly becoming worthless and commodities became the only means of preserving some wealth at all.

In 1960, the average wage was $5300 and the average home could still be bought for $11,900 – a ratio of 2:1. The upward trajectory of price increases in housing took off in a complete vertical linear by 1971 with Nixon unleashing the gold index from the dollar, and the dollars value spiraled precipitously downward.  And Commodities ROSE.

As a direct result, home ownership in the US has dropped from a high ratio of 68% in 1960 to 43% in 2023 with 3 million Americans facing the potential of losing their home today.

If wages had followed the same 2:1 linear, a person in Denver, Colorado should have a salary of $325,000 just to be on par with values in 1930 or 1960, ie no wealth increase/accumulation.

All in All, the economy is in fact far worse today than during The Great Depression. Suppressing reality does not change reality.   Creating fake manufactured statistics via artificial algorithms does not comply with reality and perpetuates the illusion.  So YES We Are experiencing a Massive Silent Depression!

And the government, Bankers, and Elite are desperate to hide that factoid because it would disclose the soddy, negligent, corruption perpetrated on Americans by The Federal Reserve and every esteemed government since which did NOTHING to alter this ‘unsustainable’ trajectory.

GLOBAL HOME OWNERSHIP: A Banking Cartel Creation

Posted on by Helena

Tightening the grip, the Federal Reserve is poised to spike inflation by increasing the discount rate.   With unemployment figures having come in too high, they simply released new numbers revealing a spike in employment.   With inflation too high, they simply release new numbers omitting the most egregious of spikes.   There are no numbers of course, it is all a mirage.   Much like CoVid cases, deaths, and vaccinations.  Do you really believe the vaccination rates are viable knowing the case count and death count were manipulated?

  But the emphasis is obvious, put more squeeze on the commoner so that purchasing a home becomes untenable.   Thereby hustling the Agenda 2030 stipulation that no one will own anything because ownership is evil…

So who will own all the homes?

Apparently Wall Street and the Banking Cartel.   Since 2020, the Federal Reserve ownership of mortgage backed securities has spiked roughly 300% according to Bank of America.   Buying up homes, hedge funds offer 20-50% above the ask in order to squeeze out the typical family purchasers.

Vacancy rates in the rental market are tight.   Wiping out the middle income homebuyer would be the focus.   Once that is achieved, banks will begin to forge their tentacles on personal mortgages and property tax rates.   While the Treasury Secretary and Janet Yellen concur that raising interest rates won’t really increase inflation, the absolute contrived lie is beyond basic economics 101!   The Cartel wants inflation – they are causing inflation – and inflation sucks Americans dry.

But it isn’t merely a US schematic, the UK and Canada are seemingly leading the pack with Bojo and Trudeau well entrenched in their Cabal gamemanship.

Canada’s conservative MP is alarmed that fast paced housing prices and gas prices are fueling an economic crisis.   Beginning in 2020, the Bank of Canada began pushing billions of CMB’s on the market fueling a buying spree of homes.   These mortgage bonds are then pooled and sold to the government.   Hence the Canadian government now owns your mortgage.

Can the governments then issue and EO declaring all interest rates will be pooled 3% to 6% higher as a global rate?

In Toronto, a real estate developer has proposed buying $1 billion of existing single family residential homes in order to convert them into rental housing.   Of course the developer claims he is doing a service to the economy because middle income home buyers are squeezed out, so this will provide them with the ability to ‘rent a home’.   At ever increasing monthly pricing.

Still, across the country a housing shortage is claimed with developments eating up available land, tap fees, and property tax bounties.   So far, I have been given notice of another property tax increase, a proposed electric increase, and a proposed residential gas increase this year – to take effect in 2022.   The concept? To make home ownership less and less affordable.

In the UK it is estimated that a shortfall of 1.2 million homes has created an existential crisis.   With home prices surging, the market only inflates prices more resulting in more and more people moving out of cities in search of affordable housing.   For the UK it isn’t just about moving out of cities, for many it is moving out of the country.   The heady crime and protests have helped to fuel that mass exodus – all perfectly planned and executed.

A time table emerges.

When Jimmy Carter was president, inflation spiked from 4.9% to 12.5% in 4 short years.   The economy hit a massive recession.   Interest rates spike over 20%. Housing market collapsed.   Carter became known as one of the all time worst presidents in history.   Carter played a part.   While pretending to be a moderate Democrat, his policies then and afterward all suggested a socialist wolf in disguise.   While pronouncing his support for smaller government, he created new agencies.   He instituted price controls similar to FDR.   He was a staunch supporter of the UN, the most corrupt, socialist organization in the world.

The policies enacted by Biden are obvious behind the scene enactments, their verbiage complex legal edifications that are so nauseatingly cumbersome to read that few do, less than few in Congress.

As I recall, Ben Carson is and was the ONLY person who actually read the Obama Care Ripoff for All Act – over 2700 pages which evolves into over 20,000 pages when the rules and regulations are defined.   Congress votes for Bills they have never read, will never read, and don’t care because they tow the line based on what they have been told to do.

There is likely less that a dozen left who are free of blackmail.

All this being said, the Global Housing Market is another CoVid Emergency, run by, manipulated by, caused by, the Cabal to further divide wealth and completely eliminate the middle and lesser high income deviations.

I anticipate an Executive Order in the near future targeting individual mortgages…