RICK REA: Helping You Grow Through Online Marketing
  • Home
  • Blog
    • Social Media News
    • SEO Marketing News
    • Digital Trends News
    • Photography News
    • Mobile Marketing
    • Business News
    • Gadget News
    • Printing News
  • Contact
  • About
  • Subscribe

Business News

Adblock Plus can now protect your computer from being hijacked to mine cryptocurrency

9/21/2017

0 Comments

 
http://ift.tt/2yfLf1E

Adblock Plus can now protect your computer from being hijacked to mine cryptocurrency

http://ift.tt/2w92pxn


Adblock Plus wants to protect you from sites using your computer resources to mine cryptocurrency. The team has released a filter that users can add to their Adblock Plus browser extension in Chrome, Firefox, Safari, and Android. The extension will take care of the rest: your device will no longer be used to quietly mine bitcoin or any other cryptocurrency.

Over the weekend, The Pirate Bay users noticed a cryptocurrency miner had appeared on the site, using visitors’ computers to mine Monero. This isn’t the first time a site has explored mining cryptocurrency as an alternative source of revenue, but The Pirate Bay is one of the top 100 sites in the world, so the news understandably made waves.

The thinking is pretty straightforward: If I don’t have to ask users permission to display ads on my site, then why should I have to ask them permission to mine cryptocurrency? After all, it costs money to produce content and keep a site operating.

On the other side, users feel that they should at the very least be informed of the practice, with some arguing the practice should be opt-in. And of course, those who choose to block ads are more likely to be interested in blocking mining.

That’s where Adblock Plus, which has over 100 million active users, comes in.

In Chrome, click on the menu button, More tools, and then Extensions. Find Adblock Plus, click on Options, click the Add your own filters tab at the top, and in the text field that appears enter ||http://ift.tt/2xxEgnA and click +Add Filter.

In Firefox, select the Firefox menu (Tools on OS X and Linux), choose Add-ons, and find Adblock Plus. Choose Preferences to access the Adblock Plus profile, click on Filter Preferences, hit “Add filter subscription” and add http://ift.tt/2xxEgnA.

On Android, open the Adblock Plus application, and select Filter Subscription. You can’t select multiple filterlists, so you’ll have to change your filterlist subscription.

This isn’t the first time Adblock has made an opportunistic addition to its tool. Just over a year ago, for example, the company fought Facebook over the site’s anti-ad-blocking initiative. This could very well one day turn into a cat-and-mouse game as well.





Business

via VentureBeat https://venturebeat.com

September 21, 2017 at 12:23PM
0 Comments

HTC Vive will share 100% of holiday app revenues with developers

9/21/2017

0 Comments

 
http://ift.tt/2v5qvbM

HTC Vive will share 100% of holiday app revenues with developers

http://ift.tt/2fcQk3k


HTC may be selling its Pixel smartphone team to Google, but it’s keeping its HTC Vive virtual reality headset business. And today, the Taiwanese company is announcing a few things that it hopes will attract more developers to its platform.

Rikard Steiber, president of HTC’s Viveport VR store, said in an interview with GamesBeat that the company will give 100 percent of the revenue that Viveport VR apps generate in the fourth quarter to the developers themselves. Normally, HTC takes a 30 percent share as the platform owner, and developers only get 70 percent. But in the all-important holiday quarter, HTC is giving up its share. And that’s a big gift for developers. The Viveport store, opened a year ago with 60 titles, has more than 1,000 apps and games now, with 26,000 developers signed up for it. After the fourth quarter, the split reverts to 70-30.

“The holiday is the most important time for developers, and we want to show our appreciation for them,” Steiber said.

Steiber, who is speaking today at the VRDC event in San Francisco, will also share more revenue with the operators of VR arcades. Currently, HTC is encouraging arcade operators who charge hourly fees for people to use the HTC Vive headsets. Normally, about half the fees go to HTC. Now, HTC will take only a 30 percent share, while the operators can keep 70 percent.

Above: Rikard Streiber, senior vice president of virtual reality at HTC.

Image Credit: HTC

The Viveport Arcade Manager has been in trial with 50 operators in 15 countries, and it now has more than 700 titles that can be used in arcades.

The Viveport team is also making available a new software development kit (SDK), dubbed the Viveport Scene SDK. As part of the Viveport Arcade Manager, the new SDK allows developers to create new effects that can entice users to try out a game or app. The VR Skybox is a feature where you can hover over an icon in the store, and it will show you a 360-degree still image of what the app looks like. Developers can also create a VR Preview, which is like a 360-degree movie clip that shows what the app actually looks like when you’re using it. Steiber said this would help merchandise the apps to customers.

“Our research has shown that customers vastly prefer VR previews over screenshots and videos to inform their purchasing decision,” said Drew Bamford, corporate vice president of HTC Vive’s Creative Labs, in a statement. “We are thrilled that the Viveport Scene SDK will provide developers with a new
avenue for discoverability and engagement on the Viveport store.”

Lastly, HTC has made an investment in a startup VRChat. HTC led a $4 million round investment in the social VR company, which hopes to make VR more social. Other investors include Brightstone VC, GVR Fund, and Rothenberg Ventures. VRChat lets users create, publish and explore virtual worlds with other VR
users from all over the world. It is now available on the Viveport store.

“This is a super exciting time,” Steiber said. “There is so much content out there, with a total of 2,000 titles on the platform around the world.”

The PC Gaming channel is presented by Intel®'s Game Dev program.
x

Thanks for your interest in the PC Gaming channel





Business

via VentureBeat https://venturebeat.com

September 21, 2017 at 12:23PM
0 Comments

Facebooks M now shares GIFs and movie ticket recommendations in Messenger

9/21/2017

0 Comments

 
http://ift.tt/2yfL2eS

Facebook’s M now shares GIFs and movie ticket recommendations in Messenger

http://ift.tt/2ytgJSY


Facebook Messenger is now giving intelligent assistant M new ways to respond to messages you receive. Starting today in the U.S., M will suggest things like sharing GIFs, buying movie tickets, and sending quick text responses.

M works by skimming the words in your conversations and then making suggestions based on the topics that come up. Suggestions began last year for things like stickers, location-sharing, and event creation for topics that arose during a chat. M Suggestions that bring bots into conversations started in April. Recently added suggestions include the ability to suggest music from Spotify, recipes from Food Network, and dinner from Delivery.com.

The new GIFs suggestions can appear in 1:1 or group chat. Each time a person uses a common phrase like “I love you” or “Good morning,” M may suggest sending a GIF in response. GIF picker can search for results to the phrase, or you can choose to conduct your own search. The GIF picker is able to search Giphy, Tenor, and Disney. (In July, on the 30th anniversary of the GIF, Facebook finally gave users the ability to comment to posts with GIFs.)

With new movie recommendations from M, mention the name of a movie in theaters now and the Fandango bot chat extension will emerge, allowing you to book movie tickets without leaving Messenger.

Also new today are additional Quick Replies. Should a person in a conversation ask a question, you may see “Yes” and “No” quick replies from Messenger.

If all of this feels intrusive, M Suggestions can be shut off in Messenger settings.

M may not be the only intelligent assistant available from Facebook for much longer, as the company is reportedly in the process of creating its own smart speaker and video chat device. Group video cha in Messenger became available late last year, while a new group video chat by Facebook emerged in the Danish version of the iOS App Store last week, according to a report by The Next Web.

These new suggestions have come a week after Facebook Messenger announced that it now has 1.3 billion monthly active users, on par with WhatsApp’s monthly visitor numbers.





Business

via VentureBeat https://venturebeat.com

September 21, 2017 at 12:23PM
0 Comments

Russia just successfully tested one of its newest ICBMs Here's what it can do

9/21/2017

0 Comments

 
http://ift.tt/2xiCiHX

Russia just successfully tested one of its newest ICBMs — Here's what it can do

http://ift.tt/2yeSB5y

Russian RS-24 YARS ICBMRussian Ministry of Defense

The Russian Ministry of Defense announced on Wednesday that it had successfully tested one of its newest intercontinental ballistic missiles. 

The solid-fuel RS-24 YARS ICBM equipped with a nuclear warhead was fired from Plesetsk and reached the Kura range site in Kamchatka Krai, the ministry of defense said. 

"All ... tasks have been fully accomplished," the ministry of defense said.

The distance between the Plesetsk Cosmodrome and the Kura test range in Kamchatka Krai is more than 5,000 miles.

The launch was done in conjunction with the Zapad-2017 war game exercises, which Russia completed Wednesday, according to The National Interest.  

Russia also test fired a silo-based YARS ICBM with an "experimental warhead" on Sept. 12, according to TASS, while Wednesday's launch was from a mobile unit. 

"It is not clear what these new “experimental” Russian reentry vehicles (RV) are," The National Interest reported, adding that it's possible that it was a maneuvarable reentry vehicle designed to allude missile defense systems. 

Despite Russia signing the New START Treaty with the US in 2010, which limited the number of nuclear warheads both countries could build, Moscow continues to increase its stockpile, according to Defense One. 

“The aggregate data shows that Russia has continued to increase its deployed strategic warheads since 2013 when it reached its lowest level of 1,400 warheads. Russian strategic launchers now carry 396 warheads more,” Hans M. Kristensen, of the Nuclear Information Project at the Federation of American Scientists, wrote last year, according to Defense One. 

Here's what the RS-24 YARS ICBM can do. 

Russia began developing the three-stage solid-propellant RS-24 YARS ICBM in 2004. It was first tested in 2007, and entered service in 2010.

Vitaly Kuzmin

Source: CSIS



The YARS was first launched from mobile launcher vehicles, but as of 2014, it can be fired from silos.

Vitaly Kuzmin

Source: CSIS



It's equipped with 3 MIRV nuclear warheads, each with a payload of 2,647 pounds. A MIRV (multiple independently targetable reentry vehicle) is a ballistic missile with multiple warheads, all capable of hitting different targets.

Vitaly Kuzmin

Source: CSIS



See the rest of the story at Business Insider

See Also:

  • Turkey's purchase of Russian missiles has ratcheted tensions up to a new level
  • North Korea fires another missile, less than 2 weeks after nuclear bomb test
  • 9 photos of the upgraded MiG-29 that Russia just sent to Syria

SEE ALSO: 13 photos of the 'Terminator,' the armored fighting vehicle Russia reportedly sent to Syria





Business

via Business Insider http://ift.tt/eKERsB

September 21, 2017 at 12:18PM
0 Comments

THE BOTTOM LINE:

9/21/2017

0 Comments

 


THE BOTTOM LINE:

http://ift.tt/2xkOaXz

See Also:

  • Why you should take advantage of this widely ignored part of Amazon to save money
  • Hurricane Maria gains strength as it lashes the Dominican Republic
  • Tropical Storm Jose is bringing dangerous surf, rip currents, and wind to the East Coast




Business

via Business Insider http://ift.tt/eKERsB

September 21, 2017 at 12:18PM
0 Comments

REPORT: China tells its banks to stop doing business with North Korea

9/21/2017

0 Comments

 
http://ift.tt/2xlzJ5o

REPORT: China tells its banks to stop doing business with North Korea

http://ift.tt/2ygzXKH

zhou xiaochuan pbocChina reportedly told its banks to stop doing business with North Korea.

The People's Bank of China told banks in the country to "strictly implement the United Nations sanctions against North Korea," four sources told Reuters.

Reuters added that banks were "told to stop providing financial services to North Korean customers and to wind down loans with existing customers."

The Reuters report follows the latest round of UN sanctions, which were leveled last week.

Much attention has been paid to the commercial and financial ties between China and North Korea in recent months. Some have argued that the North Korean crisis can be "solved" if China applies economic pressure on the isolated regime.

In the 2016 US-Korea Yearbook published by the US-Korea Institute of the School of Advanced International Studies (SAIS) in the 2016 spring semester (and so, coming before the most recent round of sanctions), Han May Chan, then a second-year student, briefly explained the argument why the success of economic sanctions might depend on China's participation. Decades of sanctions have left other world powers with less sway over North Korea:

"[...T]he DPRK has grown accustomed to the hostile sanctions regime for decades. Therefore, the effectiveness and the success of the current sanctions regime actually depends solely on China and North Korea. Unless the DPRK believes that the benefits from trade with the international community are greater than the current security benefits of prioritizing its military-first economy, North Korea will have little incentive to change its policy."

Others, however, have questioned whether a strong response from China — and China joining North Korea's adversaries — could lead to the conclusion desired by the US and the UN.

"The last thing you would do in [North Korea's] situation is give up your independent nuclear capability," Jeffrey Lewis, who directs an East Asia program at the Middlebury Institute for International Studies, told the New York Times. "The one thing you hold that they have no control over. You would never give that up in that situation." 

Last week, the United Nations Security Council unanimously passed a US-drafted resolution to levy new economic sanctions on North Korea. The resolution intends to cap North Korea's oil imports, ban textile exports, end additional overseas laborer contracts, suppress smuggling efforts, stop joint ventures with other nations, and sanction designated North Korea government entities, according to CNN.

China also previously announced a ban on imports of iron ore, iron, lead, coal, and seafood from North Korea.

Check out the full report at Reuters here.

NOW WATCH: The looming war between Alibaba and Amazon

See Also:

  • North Korea's biggest trading partner is China — and it's not even close
  • Markets are shrugging off North Korea's latest missile launch
  • Bitcoin is tumbling after Chinese regulators say an exchange ban is certain

SEE ALSO: Here's what North Korea trades with the world





Business

via Business Insider http://ift.tt/eKERsB

September 21, 2017 at 12:18PM
0 Comments

1 Small Way to Improve Employee Communication (That Makes a Big Difference)

9/21/2017

0 Comments

 
http://ift.tt/2xqRYID

1 Small Way to Improve Employee Communication (That Makes a Big Difference)

http://ift.tt/2xi0eeD


Ask employees what they would like to change about internal communication, and one factor always makes the top of the list: timing.

According to employees, companies get timing wrong in two ways. First, some information is shared too early. For example, employees say:

  • "Information Technology informs me about a systems change months before the change occurs. When communication is too early, I just ignore it."
  • "It's great to get a heads up, but quite frankly, I'm much more likely to pay attention if something is coming up next week, not next year."

The second timing mistake that companies make is communicating too late. Employees say:

  • "Tell us about things as they happen, not days or weeks later."
  • "Provide information in a timelier manner. Many we hear it through the grapevine before leaders share the news."
  • "If it's information that impacts employees, share it with us earlier, so that we have a base of knowledge before the news goes public. That way, we sound more knowledgeable when talking with customers."

Of course, employees pay attention to what and how you communicate. But in this information-overloaded world, increasingly employees care about when they receive critical information. Their preference? Information that's delivered "just in time"--right when they need to act and before hearing it from external sources.

Here are five simple ways to improve the timing of internal communication:

  1. Set guidelines that govern timing. It's exhausting (and unproductive) if you have to figure out timing every time you need to share information. Best-practice companies set guidelines for how to manage timing. For example, if information is simply FYI, and if the news doesn't affect anyone's job for months, then the communication waits until later. Or here's another guideline: When the news has a significant impact on employees, the message is shared right before or at the same time as external communication.
  2. Plan ahead. It's true that surprises come up, but 80% of what you need to communicate is expected. So there's no excuse not to communicate with enough time for people to take action--but not too early that they file it for later and forget about it. Be sure to keep holidays and weekends in mind.
  3. Focus on what employees need to do--and when they need to do it. Make sure you understand how employees will experience information--and when they need to take action. When do employees need a heads up? When do they really need to start paying attention? When are deadlines they need to meet?
  4. Emphasize dates and deadlines. When it's time for employees to do something, let them know! Be sure to include a deadline and enough time for them to complete it.
  5. Provide updates. Create and follow a communication timeline to notify employees when more information will be available--even if it's an estimate (e.g., "shortly" or "within a few weeks"). Try sending a series of short, targeted messages just in time.

These small changes will make a big impact on how satisfied employees are with communication.





Business

via Inc.com https://www.inc.com/

September 21, 2017 at 12:17PM
0 Comments

How to Create Customer Personas That Breathe Life Into Your Marketing

9/21/2017

0 Comments

 
http://ift.tt/2xqTpGT

How to Create Customer Personas That Breathe Life Into Your Marketing

http://ift.tt/2fCX9vB


In customer-based businesses, the "customer" is not just an abstract idea; they are living, breathing beings that come to the marketplace with all their "stuff". Understanding exactly who they are becomes imperative when discussing a marketing plan that will reach and connect with them.

Building detailed Personas and Journey Maps are the best way to identify exactly who your customers are, what they need, and how they can engage with your business across the board. The feedback you gain from this type of customer mapping will be essential to helping you build buy-in and assist the teams responsible for creating the most optimal customer experience.

As is always the case with life, one must crawl before one can walk. In the marketing world, that simply means one must have a full understanding of concepts before they can move forward with a plan to execute them.

So, what is a customer? Too remedial? Fine, but understanding exactly what a customer persona entails, why it's important to you, and what the necessary ingredients are to making a good one are essential. And once you've mastered that recipe, you're ready for the second course of journey mapping, which allows you to simulate the consumer's experience. But... first things first.

Personas

What, exactly, is a customer persona? Simply put, personas are fictionalized models you create to represent your target customer. But they must be believable which means you must believe it. Remember what it was like to be a 5-year-old? Well go there, and create fully realized imaginary "friends" for your business. Give them names, personal backgrounds, and behavioral identifiers like motives, attitude, and negative trigger points. Go as deep as you can with this, as long as you don't begin blaming them for writing on the walls with crayons.

The Importance Of Creating Personas

Personas have recently come to the forefront as a great tool to help enterprises target and develop a brand design that is user-centric. As the focus has shifted to the customer experience, personas become wildly useful to achieving that goal. The sales, customer service, operations and HR departments all benefit from the knowledge gained by using them.

Personas cultivate relationships

When developing a user-centric design, personas act as a guide for your business in several ways. Who is the most important person in a business relationship? Everyone all together, "the customer!' Exactly.

By building detailed personas, you cultivate empathy for your customers and empathy leads to a stronger understanding of what your customers desire from you. If the goal is to target them, knowing their goals, motivations, and behaviors only make the road easier to see.

Personas focus design plans

Since our focus is clearly now on the needs of the customer, developing a design that has them at its core only makes sense. Personas give you invaluable information. Learning how your customers engage with your brand through its lifecycle is profitable. Does your design reflect accurately the customer's experience or rather company operations? Clearly, focused persona designs highlight the road your customers will travel within your business and give you the chance to improve upon them.

Personas get everyone on board

Determining an organization's future is key. Stakeholder buy-in, if used optimally, helps determine what the final picture will look like. The support personas provide when building a company-wide customer experience can't be overstated. When backed by statistics and facts, customer personas help describe where your company is headed and stakeholder buy-in become easier to achieve.

Suggestions For Creating Successful Personas

There are a few points every business endeavoring to create good, useful personas should attempt to hit.

First, you must align with your business objectives. Your personas should be a helpful tool for all the teams in your enterprise, and they should ultimately be unified under the common goal of your business. Get input from all the top players on the goals of the company. Diverse perspectives on the company's strengths and weaknesses will only help your persona generating process.

Research fortifies your personas and helps make accurate identifications about who your customers are. Use all the resources you have. Market segmentation, surveys, polls, interviews, and social media driven insights are all fair game. This expansive research will be great in helping you understand your customers "whys" as it relates to how they interact with you. This specificity will only serve your efforts to create truly dimensional personas.

Breathe life into your personas

This is when you must let your creative inclinations rip. Create an engaging first person narrative that really focuses on the kind of customer you have targeted. Your representations for this customer should be so rich and detailed that it feels like it might leap from the page and spring to life. If they can really see it, they will believe it. Specificity, specificity, specificity. Did I mention to be specific? Names and pictures help visualize the customer so every persona should have them, along with the following detailed information:

  1. Demographics: Their age, location, education, income, household or family size

  2. Personal Histories: Their goals, needs, and interests when they interact with your company

  3. Expectations: How their needs differ from various avenues and touch points, and how those needs change over time

How to make them pop

Leaving the right impression is key when creating these personas. For whoever sees them, the goal should be to make sure they don't forget them. Using high-quality photos with layouts and formats that are easy to follow but also catch the eye. Have a clear plan for how to incorporate these personas throughout the company. That, combined with your efforts to create extremely realistic ones, will ensure your teams engage with personas they relate to; thus, responding in a way that ultimately helps the company build the best customer experience.

As you create these personas, understand that you can never know your customer too well. Once you have a true and very vivid idea of your targets, you can apply that to product creation, marketing, and business development. You'll start making products FOR these characters and creating content that is tailored to them . This hyper-focus will cause your marketing to truly resonate with your personas' real life counterparts, leading to increased engagement.

So go ahead and let your imagination run wild!





Business

via Inc.com https://www.inc.com/

September 21, 2017 at 12:17PM
0 Comments

3 Publishing Tactics That Translate to Social Media Success

9/21/2017

0 Comments

 
http://ift.tt/2wJFBUm

3 Publishing Tactics That Translate to Social Media Success

http://ift.tt/2xhyO8G


Social media marketing is a top marketing tactic for many CMOs for many reasons: It's relatively easy, it's inexpensive, and it can be done in-house. As a business owner, however, you can't exclusively post texts and photos as your social media content. If you want to truly increase traffic via social media, you must create, publish, and promote high-quality content from your brand.

Like most successful endeavors, successful content marketing (aka brand journalism) begins with planning. Start by determining your audience. Do you want to reach customers, employees, or investors? Maybe all three? With your audience in mind, you can consider your voice. You can be friendly, knowledgeable, quirky, or any number of other adjectives -- just be consistent.

Then, with a few publishing tips in mind, you can produce engaging content that works to your advantage on social media and beyond.

1. Create a blog, and post daily.

Timely written content that incorporates SEO and SEM strategies drives traffic to your site. As a result, the conversations around your brand can take place on your website, not just on social media.

But simply creating a blog with the intention of driving traffic isn't all it takes to actually achieve that goal. It's crucial that you actively maintain your blog, and the more blog posts you publish, the better. In fact, a 2015 study of HubSpot's more than 13,500 customers showed companies that published 16 or more posts monthly saw nearly 3.5 times the traffic of those that published up to four posts each month.

2. Craft visually engaging pieces.

To keep readers interested in your content, you need eye-catching visual elements. There are multiple types, but infographics are among the most compelling. They are easy to read and are, therefore, popular across social media. In fact, infographics receive likes and are shared on social media three times more than any other type of content.

Likewise, product demos and other videos make for powerful, engaging content and a strong return on investment -- shoppers who view videos are nearly twice as likely to purchase than their counterparts, according to Adobe.

3. Mix up your written content.

There's no shortage of listicles on the internet, so take advantage of the diverse written content formats you can produce for your business. Expert Q&As and book reviews are two simple, effective forms of written content that you can use to break up your standard articles.

The latter is one of the best, as someone is willingly recommending your book and encouraging others to read it. Plus, if you're an avid reader, you can share your own recommendations with others in your field to help them gain more knowledge of their industry.

And don't shy away from long-form content. "Smart long-form content is rare because of the deep research it requires, but companies are catching on. According to Orbit Media Studios, the average blog post today is 19 percent longer than it was a year ago," says Dan Curran, the founder, and CEO of PowerPost, a publishing platform that focuses on brand journalism.

Those long-form pieces can also be repurposed into other formats for distribution, according to Curran: "By taking advantage of modern technology, marketers can personalize and track their meatier content to repurpose it and reduce it to smaller portions, providing easier access to more laypeople without sacrificing the attention to detail that interests more educated audiences."

Daily blog posts, along with diverse visual and written content that appeals to your audience, are the foundation of a great content strategy. In some ways, however, they're just a jumping-off point. Once you've gotten things off the ground, you should monitor the blog on a regular basis to determine which posts generate the most page views. From there, you can hone your brand's content to ensure continued success -- on social media and everywhere else you engage with your audience.





Business

via Inc.com https://www.inc.com/

September 21, 2017 at 12:17PM
0 Comments

Fed's Flow of Funds: Household Net Worth increased in Q2

9/21/2017

0 Comments

 
http://ift.tt/2yeSpDm

Fed's Flow of Funds: Household Net Worth increased in Q2

http://ift.tt/2wBSq7V

The Federal Reserve released the Q2 2017 Flow of Funds report today: Flow of Funds.

According to the Fed, household net worth increased in Q2 2017 compared to Q1 2017:
The net worth of households and nonprofits rose to $96.2 trillion during the second quarter of 2017. The value of directly and indirectly held corporate equities increased $1.1 trillion and the value of real estate increased $0.6 trillion.
The Fed estimated that the value of household real estate increased to $23.8 trillion in Q2. The value of household real estate is now above the bubble peak in early 2006 - but not adjusted for inflation, and this also includes new construction.

Household Net Worth as Percent of GDP Click on graph for larger image.

The first graph shows Households and Nonprofit net worth as a percent of GDP.  Household net worth, as a percent of GDP, is higher than the peak in 2006 (housing bubble), and above the stock bubble peak.

This includes real estate and financial assets (stocks, bonds, pension reserves, deposits, etc) net of liabilities (mostly mortgages). Note that this does NOT include public debt obligations.

Household Percent EquityThis graph shows homeowner percent equity since 1952.

Household percent equity (as measured by the Fed) collapsed when house prices fell sharply in 2007 and 2008.

In Q2 2017, household percent equity (of household real estate) was at 58.4% - up from Q2, and the highest since Q1 2006. This was because of an increase in house prices in Q2 (the Fed uses CoreLogic).

Note: about 30.3% of owner occupied households had no mortgage debt as of April 2010. So the approximately 50+ million households with mortgages have far less than 58.4% equity - and about 2.8 million homeowners still have negative equity.

Household Real Estate Assets Percent GDP The third graph shows household real estate assets and mortgage debt as a percent of GDP.

Mortgage debt increased by $64 billion in Q2.

Mortgage debt has declined by $1.23 trillion from the peak. Studies suggest most of the decline in debt has been because of foreclosures (or short sales), but some of the decline is from homeowners paying down debt (sometimes so they can refinance at better rates).

The value of real estate, as a percent of GDP, was up in Q2, and  is above the average of the last 30 years (excluding bubble).  However, mortgage debt as a percent of GDP, continues to decline.



Business

via Calculated Risk http://ift.tt/IiXOKI

September 21, 2017 at 12:15PM
0 Comments
<<Previous

    Categories

    All
    Automotive News
    Business Automation
    Business News
    GST Tax
    IT Industry
    NASSCOM
    Tesla

    Archives

    October 2020
    September 2020
    February 2020
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017

    RSS Feed

All content copyrighted (C) 2010 ~ 2020
​All Photos & Content Used Under Creative Commons
​www.RickRea.com 701-200-7831
Privacy Policy
  • Home
  • Blog
    • Social Media News
    • SEO Marketing News
    • Digital Trends News
    • Photography News
    • Mobile Marketing
    • Business News
    • Gadget News
    • Printing News
  • Contact
  • About
  • Subscribe