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The housing bull market has peaked for now. Recent home price declines are leading to decreased tappable equity for homeowners.

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( Peter St Onge, Ph.D ) The Federal Reserve has been gas lighting the American people for two years now on inflation in the economy. At this point the happy talk is hitting reality with the latest Empire State manufacturing survey, a bellwether for conditions across the country showing its biggest plunge ever, second only to the month they literally shut down the economy for COVID-19.  Economists had expected a minus five on the survey. A minus means the economy is contracting.   The actual number was minus

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