The Federal Reserve sees core inflation ending the year at just over 4% after raising the Federal funds rate to 1.9%.  This inflation creates strategic issues from an investment perspective. For bondholders, inflation erodes principal value. Furthermore, because the coupon on most fixed income securities remains the same until maturity, the purchasing power of the interest payments declines as inflation rises. For equity investors, the problem relates to stock valuation methods. Market participants frequently discount future cash ... Read more

A new report explains how inequality contributed to the death of 21,000 people each day of the pandemic while the wealthiest collectively got $1.2 billion richer every 24 hours. Oxfam International’s latest report on global inequality finds that while the 10 richest individuals in the world more than doubled their collective wealth since COVID-19 hit in 2020, the related result of this billionaire surge has been a deadlier and more prolonged pandemic for the rest ... Read more

2022 Capital Gains Tax Rate Thresholds Capital GainsTax RateTaxable Income(Single)Taxable Income(Married Filing Separate)Taxable Income(Head of Household)Taxable Income(Married Filing Jointly)0%Up to $41,675Up to $41,675Up to $55,800Up to $83,35015%$41,675 to $459,750$41,675 to $258,600$55,800 to $488,500$83,350 to $517,20020%Over $459,750Over $258,600Over $488,500Over $517,200 Tax on Net Investment Income There's an additional 3.8% surtax on net investment income (NII) that you might have to pay on top of the capital gains tax. (NII includes, among other things, taxable interest, dividends, gains, passive ... Read more

According to U.S. News & World Report analyzing 150 metro areas in the United States to find the best places to live -- based on quality of life, job market in each metro area, the value of living there and people's desire to live there -- San Diego is the “most fun” place to live in the U.S.  The Southern California beach city is ranked #1 for its sunny weather, amazing beaches, beautiful and ... Read more

Governor Newsom signed Senate Bill 9 into law in September 2021, which effectively eliminates single family zoning throughout the state of California. SB 9 requires jurisdictions to ministerially approve a housing development of two dwelling units on a non-historic single-family zoned parcel, and to also ministerially approve a lot split for existing non-historic single-family zoned parcels of 2,400 square feet or greater, subject only to limited exceptions. This means that an existing parcel with one ... Read more

Though some people are leaving California, San Diego and California continue to attract more affluent and highly educated people from across the nation and internationally, creating a mega-market for the housing.60% of adults moving to California have a bachelor’s degree or higher.The unemployment rate in California among those with college degrees is 2.9%, with San Diego County total unemployment below 7%.San Diego County has gained 50,000 new jobs since January 2021.In 2020, more than ... Read more

In about a 1-week period, Regal Properties’ financing team closed 3 amazing loans on 3 different property types with 3 different lenders. The owner of a neighborhood retail shopping center in east San Diego County, in a refinance, pulled out approximately $7,500,000 in cash and still reduced the monthly payment by over $16,000, with a non-recourse life insurance company loan fixed for 10 years at 3.32%, with interest-only for 2 years, amortized over 30 years. The ... Read more