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A Colorful Investment: How a Professional Paint Job Protects Your Biggest Asset

October 19, 2025 No Comments

Beyond the Brush: Paint as Your Home’s First Line of Defense

Thinking of paint as just decoration is a common mistake. In reality, it’s a crucial protective barrier standing between your home and the elements. A quality paint job, applied by skilled home painters Edmonton, shields your siding from moisture that can lead to rot and structural damage, deters pests from making a home in your walls, and protects surfaces from the harsh effects of sun and wind. This protective layer is your property’s first and most important defense against costly repairs.

Different areas of your home require different kinds of protection. Exterior paints are formulated with special resins and additives to withstand UV radiation, temperature fluctuations, and heavy rain, preventing fading and cracking. Inside, paints for high-traffic areas like hallways are designed to be durable and scrubbable, while kitchen and bathroom paints often contain mildew-resistant properties to combat constant humidity. A professional knows exactly which product to use for maximum protection and longevity. 

Boosting Curb Appeal and Market Value Instantly 

First impressions matter, and nothing transforms a home’s appearance faster than a fresh coat of paint. A clean, modern color scheme can make an older home look new again, highlighting its best architectural features and creating a welcoming vibe from the street. This immediate visual upgrade is what we call curb appeal, and it plays a massive role in how your property is perceived by neighbors, visitors, and potential buyers.

This boost in appearance translates directly into a financial gain. Real estate professionals consistently rank exterior and interior painting as one of the most cost-effective renovations for increasing a home’s market value. A well-maintained and beautifully painted home signals to buyers that the property has been cared for, justifying a higher asking price and often leading to a quicker sale. It’s a small investment that can yield a fantastic return.

Uncovering Hidden Problems Before They Escalate

A professional paint job is much more than just applying color to a wall. The most critical step is the preparation work, and this is where true value is often found. As painters scrape away old, peeling paint and sand down surfaces, they get an up-close look at the condition of your home’s siding, trim, and walls. This process can reveal hidden issues like wood rot, water stains, mold growth, or termite damage that might have gone unnoticed.

Discovering these problems early is a huge benefit. Addressing a small patch of rot or a minor leak is far less expensive and disruptive than dealing with a major structural failure down the line. Think of your painter as a type of home inspector. Their careful prep work provides an opportunity to fix underlying issues, saving you from future headaches and securing the long-term health of your property.

Improving Indoor Air Quality for a Healthier Home 

The paint on your walls can have a direct effect on the air you breathe every day. Older paints often contained high levels of VOCs (Volatile Organic Compounds), which are chemicals that get released into the air and can cause headaches and respiratory irritation. Today, advancements in paint technology mean we have access to many low-VOC and zero-VOC options that significantly reduce these harmful emissions.

Opting for these modern paints creates a much healthier indoor environment for you and your family. A fresh coat of paint also works to seal the surface of your drywall, trapping old dust, pet dander, and other allergens that may have accumulated in the pores of the old paint. This results in cleaner air and a fresher feeling throughout your home, which is a wonderful benefit for everyone, especially those with allergies or asthma.

The Durability Difference: Professional vs. DIY

While a weekend DIY painting project might seem like a good way to save money, it rarely matches the quality and longevity of a professional job. Professionals have the experience, techniques, and high-end equipment needed to achieve a flawless, durable finish. They understand the science behind paint adhesion and know the precise steps for preparing different surfaces, from wood and vinyl to stucco and drywall.

This expertise means the finished product isn’t just prettier; it’s tougher. A professionally applied coat of paint will resist chipping, peeling, and fading for years longer than a typical DIY effort. This saves you the recurring cost and effort of frequent touch-ups and complete repaints. When you hire a pro, you’re not just paying for paint on the wall—you’re paying for a finish that lasts.

A Fresh Look, A Fresh Feeling: The Psychological Boost

The impact of a paint job goes beyond the physical protection of your home; it also deeply affects how you feel inside it. Color psychology is real, and the shades you surround yourself with can influence your mood and energy levels. A bright, airy color can make a small room feel spacious and open, while a warm, deep tone can create a cozy and intimate atmosphere in a large living area.

Updating your home with colors you love turns it from just a house into a personal sanctuary. It’s an act of personalizing your space to reflect your personality and create a more enjoyable daily life. Coming home to a place that looks and feels fresh is an incredible mood-lifter and an investment in your own well-being and happiness. 

Choosing the Right Colors and Finishes with Expert Guidance

Staring at a wall of a thousand paint swatches can be overwhelming. A key advantage of working with painting professionals is access to their expertise in color theory and design trends. They can offer a color consultation to help you select a palette that complements your furniture, flooring, and the natural light in your home, ensuring a cohesive and beautiful result.

Beyond color, the paint’s finish is just as important for both looks and function. A professional will guide you on whether a matte, eggshell, satin, or semi-gloss finish is best for a particular room. For instance, a durable, easy-to-clean satin finish is great for a kid’s playroom, while a flat matte finish can hide imperfections on a ceiling. This expert advice ensures your newly painted surfaces are not only stylish but also practical for your lifestyle.

Beyond the Vault: Using Trusts and Corporate Structures to Manage and Protect Your Precious Metals Investments

October 15, 2025 No Comments

More Than Just a Shiny Paperweight

There’s a certain comfort in holding a gold coin or a silver bar in your hand. It feels real, permanent, and disconnected from the volatility of digital markets. For centuries, precious metals have been the go-to asset for preserving wealth. But simply buying bullion and storing it is only the first part of a sound strategy. Sophisticated investors understand that how you own an asset is just as important as owning it, especially when it comes to long-term protection, privacy, and smooth succession. Structures like Malta trusts and foundations offer a framework for managing these hard assets with foresight.

Thinking beyond simple ownership opens up a new level of security for your portfolio. Instead of your name being directly tied to a tangible, high-value asset, you can place it within a legal structure designed for defense. This approach helps insulate your metals from personal liabilities, simplifies their transfer to heirs, and can offer a greater degree of privacy. It’s about shifting from being a mere owner to becoming a strategic steward of your wealth. Let’s look at the practical ways this is accomplished.

Why Your Safe Deposit Box Isn’t Enough

A safe deposit box at a local bank seems like a straightforward and secure choice for storing your gold and silver. It’s locked, guarded, and out of your house. What could go wrong? The reality is that this method offers physical security but very little legal or financial protection. Your assets in that box are still legally yours, making them visible and vulnerable to potential creditors, lawsuits, or even certain government actions. In a legal dispute, that box can be frozen and its contents seized.

True asset protection involves creating a legal separation between you and your investments. A bank box doesn’t achieve this; it’s merely a storage locker with your name on it. If you pass away, the contents become part of your estate, often needing to go through a public and lengthy probate process before your heirs can access them. For genuine peace of mind, you need a strategy that protects the ownership of the asset, not just its physical location. 

Introducing the Trust: Your Metal’s Personal Guardian 

Think of a trust as a private legal agreement that acts as a container for your assets. You, the settlor, transfer your precious metals into the trust, which is then managed by a person or entity you appoint, known as the trustee. The trustee has a legal duty to manage the assets for the good of the people you name as beneficiaries—perhaps your children or grandchildren. The metals are no longer owned by you directly; they are owned by the trust.

This simple change in ownership has powerful implications. Since you don’t personally own the gold anymore, it’s generally shielded from your personal creditors or legal troubles. A properly structured trust also avoids probate, allowing for a private and seamless transfer of your wealth to the next generation without court interference. It’s a foundational tool for ensuring your legacy is preserved exactly as you intend, offering privacy and control that direct ownership cannot match.

The Corporate Shield: Using an LLC or Corporation

Another popular method for holding assets is through a corporate entity, most commonly a Limited Liability Company (LLC). The concept is straightforward: you form an LLC, and the LLC purchases and owns the precious metals. You, in turn, own and control the LLC. This immediately creates a “corporate veil,” a legal barrier between your personal affairs and the assets held by the business.

The main advantage here is liability protection. If you face a personal lawsuit, the assets inside the LLC are typically protected because they belong to the company, not you. This structure also provides a formal and professional way to manage your holdings. You can open a bank account in the LLC’s name to buy and sell metals, keep clear records, and operate your precious metals portfolio with the same discipline as a small business. It adds a layer of professionalism and serious legal separation.

Combining Forces: The Trust-Owned Company Strategy

For the highest level of protection, many astute investors don’t choose between a trust and an LLC—they use both. This layered strategy involves setting up an LLC to hold the precious metals and then making a trust the sole owner (or “member”) of that LLC. This two-part structure creates a powerful combination of privacy and protection that is difficult to penetrate.

Here’s how it works: The LLC’s corporate veil shields the metals from your personal liabilities. At the same time, the trust owns the LLC, which shields your ownership of the company from public view and removes it from your personal estate for probate purposes. This powerful one-two punch offers the liability protection of a corporation and the privacy and estate planning benefits of a trust. It’s a robust setup for those who are serious about safeguarding their assets for the long haul. 

International Flavors: Offshore Structures for Greater Privacy

For some investors, especially those with larger holdings or a desire for maximum asset fortification, looking beyond domestic borders is a logical next step. Certain international jurisdictions have developed strong legal frameworks specifically designed to protect assets. Establishing a trust or foundation in one of these locations can place your precious metals under a legal system with some of the most formidable creditor protection statutes on the planet.

This is not about hiding money or evading taxes; it’s about legal diversification. All activities must be fully compliant with your home country’s tax and reporting laws. The goal is to find a more secure legal environment for your assets, far removed from your home jurisdiction. With the guidance of experienced international advisors, you can add a global dimension to your asset protection plan, giving you an unparalleled level of security and privacy.

Getting Started: Key Steps and Considerations

Building a protective structure around your precious metals is definitely not a do-it-yourself weekend project. The first and most critical step is to assemble a team of qualified professionals. You’ll want to speak with an estate planning or asset protection attorney who has direct experience with these types of structures. A financial advisor who understands hard assets is another key part of the team.

When you meet with your advisors, be prepared to discuss your goals clearly. Are you most concerned with creditor protection, privacy, or simplifying inheritance? What is the value of your holdings, and where do you see them in 10 or 20 years? Answering these questions will help your team recommend the right structure for your situation, whether it’s a simple domestic trust, an LLC, or a more complex international arrangement. A little planning now can secure your legacy for decades to come. 

Is Edmonton Real Estate a Smart Addition to Your Investment Portfolio?

October 10, 2025 No Comments

Why Edmonton is Catching the Eye of Savvy Investors

When you think about real estate investment in Canada, your mind might jump to the overheated markets of Toronto or Vancouver. But smart money is looking west, to a city with a steady pulse and a bright future: Edmonton! Alberta’s capital offers a unique blend of affordability, economic resilience, and population growth that makes it a prime spot for both new and seasoned investors. You can get a feel for the opportunities available and browse homes for sale in keswick to see the quality of communities being developed.

Adding a physical asset like real estate to your portfolio is a classic strategy for building wealth and hedging against inflation. Edmonton property, in particular, provides a chance to get into the market without the extreme price tags seen elsewhere. This accessibility means your capital can go further, potentially allowing you to acquire a better property or even multiple properties, building a solid foundation for your financial future.

A Look at Edmonton’s Economic Foundations 

Edmonton’s economy is far more than just oil and gas. The city has cultivated a robust and varied economic base, with thriving sectors in technology, health sciences, post-secondary education, and public administration. This diversification creates a stable employment market, which is a key ingredient for a healthy housing sector.

A stable job market directly fuels housing demand. When people have good jobs, they are more likely to rent quality apartments or buy their first home. For an investor, this translates into a consistent pool of qualified tenants and a greater likelihood of steady appreciation in property values over the long term.

Affordability: Your Gateway to Property Ownership

Let’s talk numbers. Compared to other major Canadian metropolitan areas, Edmonton’s real estate is refreshingly affordable. The entry point for purchasing a single-family home or a condominium is substantially lower, which opens the door for many who feel priced out of other markets. This isn’t about finding a “cheap” property; it’s about finding real value.

This affordability has a direct and positive effect on your potential cash flow. With lower mortgage payments, the rental income you collect is more likely to cover all your expenses—mortgage, taxes, insurance, and maintenance—and still leave a profit in your pocket each month. A positive cash flow is the goal for many rental property investors, and Edmonton makes it an achievable one.

Strong Rental Demand and Population Growth

Edmonton is growing! The city attracts people from across Canada and around the globe, thanks to its job opportunities and high quality of life. Major institutions like the University of Alberta and NAIT also draw thousands of students every year, many of whom need housing. This consistent influx of people keeps the rental market buzzing.

For a property owner, this is fantastic news. Strong demand means lower vacancy rates, giving you peace of mind and a steady income stream. You’ll find it easier to find responsible tenants, and the competitive rental market supports fair market rents that can help your investment perform well year after year.

Exploring Diverse Neighbourhoods and Property Types

One of the great things about investing in Edmonton is the sheer variety of options. You can find modern condos in the vibrant downtown core, character homes in historic neighbourhoods, or spacious new-build family homes in master-planned communities. There’s something to fit every budget and investment style.

This choice empowers you as an investor. You can select a property type and location that best aligns with your goals. Are you looking for a low-maintenance condo to attract young professionals? Or maybe a single-family home with a yard to appeal to families? Edmonton’s market has the breadth to let you build the exact portfolio you want.

Potential Challenges to Consider

No investment is without its risks, and it’s important to be aware of them. Edmonton’s economy, while diversifying, can still feel the effects of fluctuations in global energy prices. Broader economic factors, like changes in national interest rates, can also impact borrowing costs and the housing market.

Being a landlord is also an active role. It comes with responsibilities like finding and screening tenants, handling repairs, and managing the property. While you can hire a property manager, it’s an expense to factor into your calculations. It’s not just a set-it-and-forget-it investment.

The Verdict: Is Edmonton Your Next Move?

Edmonton presents a compelling picture for real estate investors. The combination of an affordable entry point, a stable and diversifying economy, and strong population growth creates a fertile ground for building a successful property portfolio. The city’s focus on future growth adds another layer of confidence.

While it’s wise to consider the responsibilities of property ownership and broader economic shifts, the fundamental strengths of the Edmonton market are hard to ignore. For anyone looking to add a tangible asset to their holdings that offers both cash flow potential and long-term appreciation, Edmonton real estate deserves a very close look. It could be the smart, steady addition your portfolio has been missing.

The Ultimate Home Investment: How a Professional Paint Job Protects and Increases Your Property’s Value

August 16, 2025 No Comments

Beyond a Splash of Color: Paint as Your Home’s First Line of Defense

When you think about painting your home, your mind probably jumps to choosing colors and admiring the fresh, new look. While aesthetics are a huge part of the appeal, a quality coat of paint serves a much deeper, more protective purpose. Think of it as a shield for your biggest asset. It’s a functional barrier against the elements, and this is true for every part of your house, from the exterior siding to interior fixtures. Even a specialized service like kitchen cabinet painting edmonton does more than just update your kitchen’s style; it protects the wood from moisture and grease.

This protective layer works tirelessly to keep your home safe. It seals porous materials like wood and drywall, preventing moisture from seeping in and causing rot, mold, or mildew. It also guards against sun damage, which can fade and weaken your siding over time. For the interior, quality paint makes surfaces easier to clean and more resistant to the scuffs and scrapes of daily life. This defensive quality helps you avoid more expensive repairs down the road.

Boosting Curb Appeal for a Memorable First Impression

You only get one chance to make a first impression, and for your home, that impression happens at the curb. A peeling, faded, or dated exterior can instantly make a property feel neglected, potentially turning away visitors or prospective buyers before they even step inside. A professional paint job is one of the fastest and most impactful ways to revitalize your home’s appearance and send a message of care and quality.

A well-chosen color palette can highlight your home’s best architectural features and help it stand out in the neighborhood for all the right reasons. Whether you opt for a classic, timeless look or a bold, modern statement, the result is a crisp, clean appearance that looks put-together. That powerful visual appeal not only makes you feel proud to come home but also creates an inviting atmosphere for everyone else. 

Increasing Resale Value: The Numbers Don’t Lie

Speaking of prospective buyers, painting offers one of the highest returns on investment (ROI) of any home improvement project. Real estate agents consistently recommend a fresh coat of paint to sellers because they know it directly impacts a home’s marketability and final sale price. It’s a low-cost update that provides a substantial boost in perceived value, often returning well over 100% of its cost.

A neutral and modern color scheme allows potential buyers to easily imagine their own belongings and lives in the space. It creates a clean canvas that feels fresh and move-in ready, removing a potential project from a buyer’s to-do list. This simple step can help your property sell faster and for a better price, making it a very smart financial move.

The Health and Wellness Benefits of Fresh Paint

A new paint job can also contribute to a healthier living environment for you and your family. Modern paint formulations have come a long way, with many low-VOC (Volatile Organic Compound) and zero-VOC options available. These paints release fewer harmful chemicals into the air during and after application, which improves indoor air quality and is a great choice for households with children, pets, or allergy sufferers.

Beyond the physical benefits, there’s a psychological lift that comes with a freshly painted space. Clean lines, unmarked walls, and new colors can make a room feel brighter, larger, and more serene. It’s a way to hit the reset button on your living environment, creating a more positive and enjoyable atmosphere to live in. 

Why Professional Application Matters More Than You Think

It can be tempting to grab a roller and try to tackle a paint job yourself, but the difference between a DIY attempt and a professional finish is often night and day. A pro brings a level of expertise and precision that ensures the job isn’t just done, but done right. They have the proper equipment, an understanding of different paint types, and the steady hand needed for crisp, clean lines.

The true secret to a long-lasting paint job is in the preparation, and this is where professionals shine. They meticulously clean surfaces, patch holes, sand imperfections, and apply the correct primer. This detailed prep work is what allows the paint to adhere properly and form that durable, protective shield we talked about. Without it, even the most expensive paint can chip, peel, and fail prematurely.

Interior Painting: Transforming Your Living Space

The power of paint is just as potent inside your home. It’s an amazing tool for completely changing the character of a room without the mess and expense of a full-scale renovation. An outdated living room can feel modern again, a dark bedroom can become a bright sanctuary, and a scuffed-up hallway can look brand new with just a few coats of paint.

You can get creative by using color to define spaces or create focal points. Consider an accent wall to add a pop of personality to your bedroom or a deep, rich color for a cozy study. Even refreshing the paint on your trim, ceilings, and doors can make the entire home feel more polished and cohesive. It’s a versatile way to make your interior design vision a reality.

A Smart Investment That Pays Dividends

When you look at all the advantages, it becomes clear that professional painting is much more than a simple maintenance chore. It’s a strategic investment in your property’s longevity, appeal, and market value. From protecting the exterior against weathering to creating a healthier and more beautiful interior, the benefits are felt immediately and for years to come.

So, the next time you’re considering ways to improve your home, remember the profound impact of a professional paint job. It’s a proactive decision that protects your asset, boosts its value, and improves your daily enjoyment of your living space. For a relatively small outlay, you get a massive return in both protection and pleasure. 

Protecting Your Investments: How Arbitration Serves as a Vital Tool in Resolving Financial Disputes

August 8, 2025 No Comments

What is Financial Arbitration Anyway?

Imagine a path to settling a financial dispute that doesn’t involve a crowded, formal courtroom. That’s the core idea behind arbitration. It is a private method of dispute resolution where you and the other party agree to present your case to a neutral third-party expert, whose decision is legally binding. When facing complex investment issues, having an experienced professional like Marc Goldstein Arbitrator NY on the panel can bring invaluable industry insight to the proceedings.

The arbitrator acts much like a judge, but they are often chosen for their specialized knowledge in a particular field, such as securities or finance. After hearing evidence and arguments from both sides, the arbitrator issues a decision known as an “award.” This award is typically final and can be enforced by a court, providing a definitive end to the disagreement without the lengthy appeals process common in litigation.

The Key Advantages of Arbitration for Investors 📈

One of the biggest draws of arbitration is its efficiency. Court cases can drag on for years, accumulating staggering legal fees and causing immense stress. Arbitration, by contrast, is generally much faster and more cost-effective. A quicker resolution means you can put the dispute behind you and focus on what matters: rebuilding and managing your financial future.

Privacy is another huge plus. Court proceedings are public records, meaning the sensitive details of your financial life could become widely accessible. Arbitration hearings are confidential. This discretion protects your personal information and business reputation from public scrutiny, which is a massive relief for many investors.

Choosing an Expert Arbitrator: A Crucial Step

The person deciding your case matters immensely. In arbitration, you often have a say in selecting the arbitrator. It is absolutely vital to choose someone with a deep and practical understanding of financial instruments, market regulations, and industry practices. This level of expertise is rare in the traditional court system, where judges may have limited exposure to the complexities of securities law.

An arbitrator who understands the difference between a junk bond and a mutual fund, or the nuances of a fiduciary duty, can make a more informed judgment. They can cut through the jargon and assess the merits of a case based on industry standards. This specialized knowledge directly contributes to a fairer and more appropriate outcome for all parties involved.

The Arbitration Process: A Simplified Walkthrough

Getting started with arbitration involves a few clear steps. It begins with one party filing a “statement of claim,” which outlines the dispute and the desired resolution. Following this, the parties select an arbitrator (or a panel of them). Then comes the discovery phase, where both sides exchange relevant documents and information. This process is usually more focused and less burdensome than the extensive discovery in a lawsuit.

The main event is the hearing. Think of it as a less formal trial. Each side presents its evidence, calls witnesses, and makes its arguments directly to the arbitrator. There are rules of evidence, but they are often more relaxed than in court. After the hearing concludes, the arbitrator reviews everything and issues the final, binding award, officially closing the case.

Common Financial Disputes Resolved Through Arbitration

Arbitration is a go-to method for a wide array of investment-related conflicts. A frequent issue is broker misconduct, which can include churning (excessive trading to generate commissions) or recommending investments that are completely unsuitable for the client’s risk tolerance and financial goals. Another major area is breach of fiduciary duty, where a financial advisor fails to act in their client’s best interest.

Other disputes perfectly suited for arbitration include claims of unauthorized trading, where a broker makes trades without the client’s permission. Misrepresentation is another common problem, where the risks of an investment were downplayed or its potential returns were exaggerated. These cases often hinge on detailed financial evidence, making an expert arbitrator’s review particularly valuable.

Is Arbitration Always the Answer? 🤔

While it has many benefits, arbitration isn’t a perfect fit for every situation. Its finality can be a double-edged sword. The grounds for appealing an arbitrator’s decision are extremely limited, typically confined to issues like fraud or bias on the arbitrator’s part. If you receive an unfavorable outcome, you generally have very little recourse, unlike in the court system where appeals are more common.

It’s also important to know that many investors enter into arbitration agreements without even realizing it. Brokerage firms almost universally include mandatory arbitration clauses in their new account agreements. By signing the paperwork, you are often waiving your right to sue in court. Understanding this before a dispute arises is key to managing your expectations.

Preparing for a Successful Arbitration

Your success in arbitration heavily depends on your preparation. You can’t just show up and tell your story; you need to back it up. This means meticulously gathering every piece of relevant documentation: account statements, trade confirmations, prospectuses, emails, and any handwritten notes from conversations with your broker or advisor.

Organizing this evidence into a clear, chronological narrative is essential. You need to present a logical case that is easy for the arbitrator to follow. This is where professional legal counsel with experience in securities arbitration can be indispensable. They can help structure your arguments, identify the most powerful evidence, and ensure your case is presented in the most compelling way possible.

Weekly Market Update: Protect Your Retirement Portfolio from the Collapse in Existing Home Sales

December 27, 2024 No Comments

Weekly Market Update: Protect Your Retirement Portfolio from the Collapse in Existing Home Sales

Last Thursday saw yet more bad news coming out from the deteriorating American housing market. For January 2019, United States’ home sales collapsed to their lowest point in over three years. Housing prices themselves ticked up just modestly.

The statistics are anything but encouraging as they continue to indicate still more weakness and momentum loss within the overall important housing market. Keep in mind that this Real Estate sector is a key leading economic indicator too.

The National Association of Realtors revealed the grim statistics. They stated that the critical existing home sales category declined by a sobering 1.2 percent to an adjusted annual rate (seasonally adjusted) total of 4.94 million units for the past month. This chart below shows the negative ongoing trend all too well:

This abysmal number was good enough to take the low point record dating back to November of 2015. More than this, it came in substantially below the median analysts’ expectations rate of 5 million units. The NAR attempted to showcase some slightly good news in the December pace of sales getting a slightly higher revision.

Yet this January drop was not the first consecutive disappointment in existing home sales even. There had already been months of existing weakness within the American housing market. Compared to one year prior, existing home sales have plunged 8.5 percent versus the same time in 2018.

Fingers are pointing in several directions for the significant, disappointing, and ongoing setback in home sales. One substantial blow to the market has been the marked rise in U.S. interest rates dating back to 2016. The Federal Reserve has been on an interest rate raising crusade in an effort to normalize financial markets it upended after the Global Financial Crisis. Add to this more costly homes and a tighter existing inventory (that resulted from labor and land shortages), and you now have a recipe for serious trouble in the market.

Yet in the last few months, the fixed rate 30 year mortgage has come back down somewhat and inflation on housing prices has been decreasing. The median existing home price only rose 2.8 percent versus a year prior to touch $247,500 for January. This by itself represented the tiniest gain since February of 2012.

Yet despite this better news for the Real Estate market, existing home sales are falling consistently throughout the nation. In January, they declined in three out of the four national regions. The Northeast region was the only one that saw better home sales.

This decline in home sales has led to a growing backlog in unsold homes on the market. While December had 1.53 million units available, for January there were 1.59 million previously owned houses available on the market. This means at the January pace of sales, that the market would need 3.9 months to clear out the existing home inventory. This contrasted with December’s 3.7 months needed to clear the market.

But even these numbers show the ill health of the industry. Realtors consider a good six to seven months of supply necessary for there to be a healthy market balance factoring in both supply and demand.

Is Your Retirement Portfolio Protected from the Collapse in Existing Home Sales in the U.S?

Fed policy makers have become so afraid of not having the necessary interest rate cutting tools to deal with the next recession and economic malaise that they have created the next economic crisis through their own actions of raising interest rates (to have the tools available). Existing home sales numbers feed through to stock and bond market prices and performances sooner or later.

Where can you find refuge from the upcoming decline in the two major retirement portfolio asset classes of stocks and bonds? Gold is the best-rated safe haven beacon that steadies portfolios in uncertain financial times like these throughout thousands of years of human history. With gold in your retirement portfolio, you do not need to suffer through sleepless nights while you try to figure out what defensive sectors might or might not avoid the decline in equities and other financial investments in the coming months.

Click here today to receive your completely no-cost and no strings attached gold IRA rollover kit from North America’s best trusted and most award winning gold retirement firm— Regal Assets. The leading gold retirement and alternative asset company never stops working to earn its coveted industry-wide reputation. Their 100 percent free precious metals investing report will provide you with all of the crucial, time-sensitive information needed for hedging your individual IRA retirement accounts using a prudent and partial diversification of your own retirement holdings into tangible, real gold.


Will your portfolio weather the next financial crisis?

Request your free gold IRA info-kit that explains how to protect and diversify your portfolio with gold.

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