2015 Real Estate Presentation

1. Coldwell Banker
3045 W Agua Fria Freeway
Phoenix Arizona 85027
Understanding the 2015 Homebuyer and Seller
January 6, 2015

2. It was the best of times, it was the worst of times, it was the age
of wisdom, it was the age of foolishness… - in short, the period
was so far like the present period, that some of its noisiest
authorities insisted on its being received, for good or for evil, in
the superlative degree of comparison only.
Charles Dickens, A Tale of Two Cities
English novelist (1812 - 1870)

3. Things We Will Not Discuss
• Arizona Cardinals
• Ryan Lindley
• Any Kardashian Family Member
• The Diamondbacks

4. Things We Will Discuss
• Oil
• Interest Rates
• Local Real Estate
• Economic Outlook for 2015

5. 30-year Fixed-Rate Mortgage From
1980

6. Crude Oil Prices: West Texas
Intermediate (WTI)

7. Crude Oil Prices: Brent - Europe

8. 30-year Fixed-Rate Mortgage From
2008

9. 30-year Fixed-Rate Mortgage From
2013

10. Long-Term Housing Prices Adjusted for Inflation

11. MBA Weekly Mortgage Applications

12. MBA Weekly Mortgage Applications

13. Where are interest rates headed?

14. Consumer Price Index 2008 -

15. Consumer Price Index 2013 -

16. Civilian Unemployment Rate

17. Certain information, charts, and data for this presentation
comes from the following sources:
Monsoonwealth.com - http://monsoonwealth.com
CalculatedRISK - http://www.calculatedriskblog.com
St Louis Federal Reserve - http://www.stlouisfed.org

18. www.monsoonwealth.com
info@monsoonwealth.com
866.931.1846
480.319.7724
Preserving tomorrow’s wealth by managing today’s global economic risk.
Disclaimer: The material appearing in this email is based on data and information from sources
we believe to be accurate and reliable. However, the material is not guaranteed as to accuracy nor
does it purport to be complete. Opinions and projections, both our own and those of others,
reflect views as of dates indicated and are subject to change without notice. The contributions
and opinions of others do not necessarily reflect the views of Marvin Clark or Monsoon Wealth
Management. Nothing appearing in this email should be considered a recommendation to buy or
to sell any security or related financial instrument. Investors should discuss any investment with
their personal investment counsel. Past performance does not guarantee future results.
Monsoon
Wealth Management
Marvin R. Clark
Managing Principal
Chief Economist and Strategist