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The decrease in applications came despite the 30-year fixed mortgage rate falling to a three-month low. But at 4.63 percent, the 30-year fixed mortgage rate is more than 60 basis points higher than it was at the end of 2017. “We think the drag from rates will persist into 2019,” said Daniel Silver, an economist at JPMorgan in New York. Last month, existing home sales rose in the Northeast, Midwest and populous South. They fell in the West, which the NAR said was experiencing a marked shift from very fast sales and exorbitant prices to slowing demand and price growth.

There were 1.74 million previously owned homes on the market in November, up from 1.67 million a year ago, The inventory crunch is easing as demand moderates especially in the West, which had seen intense bidding wars, At November’s sales pace, it would take 3.9 months to exhaust the current inventory, down from 4.3 months in October and up from 3.5 months a year ago, A six-to-seven-months supply is viewed as a healthy balance between supply and demand, The median existing house price increased 4.2 percent how do cufflinks work with buttons from a year ago to $257,700 in November..

Houses for sale typically stayed on the market for 42 days in November, up from 36 days in October and 40 days a year ago. Forty-three percent of homes sold in November were on the market for less than a month. There were still some hot housing markets last month in some metro areas in Texas, Ohio, Indiana and Massachusetts. The share of first-time buyers increased to 33 percent last month from 31 percent in October and 29 percent a year earlier. Economists and realtors say a 40 percent share of first-time buyers is needed for a robust housing market.

WASHINGTON how do cufflinks work with buttons (Reuters) - The U.S, Federal Reserve continued its quiet battle to keep a firm grip on its policy rate on Wednesday by again narrowing the gap between the effective ceiling and floor that keeps it contained, The technical adjustment, announced after the end of a two-day policy meeting, was the second in six months in response to uncooperative overnight lending markets, where dwindling bank reserves and a rush of newly-issued U.S, Treasuries have made it difficult for the Fed to keep its key federal funds rate well within the policy range..

As expected, the U.S. central bank raised its key overnight lending rate by a quarter of a percentage point to a range of 2.25 percent to 2.50 percent. But within that range, the Fed set the interest it pays banks on excess reserves, known as IOER, at 2.40 percent, acting as an effective ceiling for the policy rate. IOER was intended to mark the upper end of the policy range as the Fed gradually lifted rates from near zero beginning in December 2015. But since about a year ago, as the Fed simultaneously began reducing its bond holdings, the fed funds policy rate started drifting away from the center of the range toward the upper limit, causing some Fed officials to worry that it would break out. (Fed's bond holdings and bank excess reserves: ).

So in June, as it continued to tighten policy, the Fed set IOER 0.05 percent lower than the upper limit to create a buffer, It proved, however, to be a short-term fix: In October, the fed funds rate again drifted up and traded consistently at the IOER rate, setting the stage for another adjustment, At the Nov, 7-8 policy meeting, Fed Chairman Jerome Powell told his colleagues on the rate-setting Federal Open Market Committee he was open to the move, according to minutes which noted that how do cufflinks work with buttons “there remained some risk that it could continue to drift higher before the Committee’s next meeting.”..

The Fed hopes the tweaks discourage banks from borrowing reserves at the lower fed funds rate and profiting on the higher IOER by leaving the reserves at the central bank. The goal is to encourage banks to lend rather than playing the rate arbitrage. If the fed funds rate continues to drift higher, forcing the Fed’s hand again in 2019, some analysts think the central bank could opt to halt its portfolio trimming earlier than expected. That could permanently leave the Fed with more assets and effectively a more accommodative stance.

(Reuters) - Marlboro cigarette maker Altria Group Inc (MO.N) is nearing an agreement to buy more than a third of Juul Labs Inc, valuing the e-cigarette startup at $38 billion, people familiar with the matter said on Wednesday, The deal would value Juul at more than double the roughly $16 billion valuation it fetched in July in a private funding round, highlighting the San Francisco-based company’s explosive growth, Juul’s vaping devices, which resemble a USB flash drive, have helped the company quickly become the market leader in the U.S, e-cigarette business, growing from 13.6 percent how do cufflinks work with buttons of the market in early 2017 to more than 75 percent last month, according to a Wells Fargo analysis of Nielsen retail data..




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