OC Housing Connection

What is the Federal Reserve's NATURAL RATE?

So, all things being equal, what is the Federal Reserve's "natural rate"? The ideal rate that creates the so-called "three bears economy"...not too hot, not too cold.  Used to be around 5%, but many seem to think it's more around 2-3% today. Why does this matter?  Because it tells a lot whether the Fed wants to raise rates or lower them (long term) and where we might be headed with our home and consumer loans in the near term.  Our hosts Hamid and Fay Hamadanchy then dive into some more "macro economic trends" that factor into those Fed decisions (mainly  the jobs report and "consumer demand") and how perplexed they are that job growth has been slowly but steadily growing since "The Great Recession" (except for THIS week's poor performance) while consumer demand remains stubbornly weak. What's going on? Find out in this week's fascinating look at housing prices and loan rates as they try and peer into the Fed's crystal ball and see where we headed this year.  Only on Orange County's only community radio station, www.OCTalkRadio.net.

Buying a Home with Funds From Your 401K

This week's wide ranging discussion starts off with our weekly look at what the Fed is or isn't going to do with interest rates right now (a topic on everyone's mind) and moves into a deeper discussion about how the Fed is really just there to control American Consumer Demand.  That means it does not really factor in world economies and whatever demand there might be for our products overseas, especially with our dollar being so low relative to other currencies. So are they missing key elements when it comes to deciding whether to pump the economy or slow it down thru their control of the Federal lending rate...the so-called "discount rate" the Federal Reserve charges commercial banks and other depository institutions on loans they receive from their regional Federal Reserve Bank.  You decide.  Then listen to the last part where our hosts Hamid and Fay Hamadanchy discuss using funds from your 401K to purchase your next fund.  You won't want to miss this one! Only on Orange County's only community radio station, www.OCTalkRadio.net.

Let's look deeper at The Fed 03-28-16

This week, we take a deep look at The Fed including it's history, structure and purpose. Who owns the Fed?  What's is it's relationship to the 12 Federal Reserve Banks and what do they do?  And (most importantly) what powers does the Fed have to increase or decrease money supply and affect the overall Monetary Policy of the United States.  Join our hosts Hamid and Fay Hamadanchy as they pick up from last week and dive deeper into this mysterious, quasi-governmental body (after first reviewing this week's economic indicators and likely Fed action).  Only on the OC HOUSING CONNECTION here on Orange County's only community radio station, www.OCTalkRadio.net.