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Housing has become so expensive that millennials are buying homes with friends.

Marko Geber/Getty Images

• Millennials are buying houses with their friends to become homeowners, the WSJ reports.
• The housing crisis has pushed home prices to record highs, boxing some millennials out of the market.
• Also - it's just really expensive to be single.

First-time homebuying millennials are finding a loophole in today's housing crisis: buying a home with their friends.

Some members of the generation are turning to co-buying as a way to overcome economic and cultural hurdles that stand in the way of homeownership, The Wall Street Journal's Alex Janin reported. It's a pre-pandemic trend, she wrote, largely accelerated by the desire for remote work and an expensive real estate market.

The number of buyers purchasing as an unmarried couple during April to June 2020 increased to 11% from 9% during the same time frame in 2019, per data from the National Association of Realtors (NAR).

"During the pandemic, people have been renting and they may have wanted more space, and so they looked at, perhaps, their roommate and decided, 'Let's go buy a home together,'" Jessica Lautz, vice president of demographics and behavioral insights for the National Association of Realtors (NAR), told Janin.

Pre-pandemic, it was already a tough world for aspiring millennial homebuyers, who struggled to save for a down payment as they dealt with the financial fallout of the Great Recession, staggering student-loan debt, and soaring living costs. As they aged into their peak homebuying years in 2020, they led a housing boom that soon morphed into a historic inventory crisis that was already forming over the past dozen years as contractors underbuilt homes.

Home prices shot up, reaching a record high of $386,888 in June. The biggest victim of this housing shortfall was the starter home, which was already nearing its demise even before the pandemic. While the housing market has since begun to cool and contractors have begun to build more homes, these homes are in the higher end of the market, NAR's director of housing and commercial research, Gay Cororaton, told Insider.

These affordability issues have boxed many millennials out of the housing market, forcing them to get resourceful in finding ways to fast-track their path to homeownership. For some, that's moving out to the exurbs or buying fixer-uppers. For others, it's inventing their own commune.

The single life is an expensive one

Millennials' lifestyle choices are also shaping their co-buying decisions.

The generation has established a new normal, in which getting married and having kids comes later in life, after going to college and becoming financially settled. It's contributing to a decline in marriage rates and birth rates.

Millennials "have a lot more options and they don't have to settle down quite as early as people in previous generations were expected to do," Clare Mehta, an associate professor of psychology at Emmanuel College, previously told Insider.

Homeownership is the one milestone that remains important to the generation. To nearly three-fourths of millennials surveyed in a Bank of America Research study, it's more significant than getting married and having children. It partly explains why more millennial couples are buying houses together before tying the knot.

But buying a house when you don't have a partner isn't quite as feasible. As Insider's Juliana Kaplan recently reported on recent Pew data, nearly 40% of young adults who aren't in couples make less money than their peers.

It's especially troublesome for women, who typically make less than men regardless of relationship status thanks to the wage gap. Recent research from Freddie Mac found that the majority of single women head of household renters (60%) think they won't ever be able to afford the home. Most said they don't have enough savings for a down payment or think a mortgage would be too expensive.

Teaming up with a friend or roommate cuts the individual price of a home in half, enabling millennials to buy a home with less money saved. While there are complicated factors involved, such as deciding how to share equity and what to do in the case of a fallout, millennials are ultimately seeing the move as a win-win situation: they get a stake in an appreciating real estate market and get to fulfill their desire for communal living.

Read the original article on Business Insider

Jeff Bezos1 took to Twitter this week to take a victory lap over and old Barron’s cover story: I’m sure this story didn’t go over well at Amazon’s headquarters when it came out so I’m sure he’s thought long and hard about how to dunk on this one over the years. Well played. This cover story ran on May 31, 1999 which was just before the tech bubble burst. Over the next 16 months or so ...

Segundo encuentro empresarial en Los Atardeceres del Alcatí con los mismos ingredientes que ofrece este nuevo Club Deportivo Empresarial. Un entorno idílico como  La Albufera; buena música de fondo; un paseo en barca viendo el atardecer y, como colofón, gastronomía tradicional valenciana y maravillosos vinos de las Bodegas Vicente Gandía. Se trata del segundo encuentro […]

La entrada Fotogalería: Segundo encuentro empresarial en Los Atardeceres del Alcatí se publicó primero en Economia3 por Elisa Valero

UK chancellor eyeing shake-up in bid to channel more money into aiding ‘levelling up’ agenda

UK chancellor eyeing shake-up in bid to channel more money into aiding ‘levelling up’ agenda

UK chancellor eyeing shake-up in bid to channel more money into aiding ‘levelling up’ agenda

La Universidad de Deusto ha entregado este jueves su premio Ada Byron a la Mujer Tecnóloga 202', que ha recaído en la vallisoletana Elena García Armada en categoría senior; y en la catalana Jordina Torrents Barrena, en categoría joven. Leer

Concretamente, desde el 1 de septiembre nuestro selectivo se encuentra construyendo máximos decrecientes y mínimos crecientes, o lo que es lo mismo parece estar triangulando. Formación que en condiciones normales debería romper al alza, aunque como siempre les digo hemos de dejar que sea el precio el que nos diga lo que quiere hacer y cuándo. No debemos adelantarnos a los acontecimientos.

Los triángulos simétricos suelen darse con frecuencia en medio de las tendencias, tanto alcistas como bajistas. Y el desenlace del mismo suele ser a favor de la tendencia previa. Se trata de un período de consolidación del mercado, previo a un brusco movimiento. Generalmente actúa como un patrón de continuación de la tendencia previa en la que el precio nos dibuja máximos decrecientes y mínimos crecientes.

Ahora bien, para poder tener la confirmación de la salida al alza por parte del precio, necesitamos que este cierre próximamente por encima del rango resistencia de los 9.000-9.055 puntos: los máximos de este mes y de septiembre. Así, un cierre por encima de los 9.055 puntos con holgura activaría una importante señal de fortaleza en nuestro selectivo. Antesala de lo que puede ser el inicio de un movimiento en busca de los máximos anuales (9.310) y por encima la directriz bajista principal, en los 9.450 puntos.

Gráfico diario del Ibex 35

El fabricante taiwanés TSM fabrica la mitad de los chips del mundo mientras que su mayor competidor, Samsung, tan solo se encarga de uno de cada siete. TSM fabrica los semiconductores por encargo de otras empresas y en situaciones de alta demanda y disrupciones en la cadena de suministro, como sucede en la actualidad con la escasez de chips a nivel global, prioriza a sus mejores clientes, siendo Apple el primero de la lista.

Técnicamente le tenemos en un momento de mercado de lo más interesante. Se trata de un valor con un soporte muy claro y efectivo en el nivel de los 107,50 dólares. Aquí ha rebotado en marzo, mayo, agosto y en este mes. Lo que nos deja muy claro dónde está el soporte a respetar en todo momento. De lo que se deduce que, si hay un momento para lanzarse a la piscina en el valor, ha de ser ahora. En los niveles de precios más cercanos posibles al soporte de los 107,50-108 dólares, con un 'stop loss' en precios de cierre semanal por debajo de los 107 dólares.

A priori el largo desplazamiento lateral del valor desde marzo (fase de reacción) está sirviendo para que este corrija/drene los excesos previos. Solo que en lugar de hacerlo con caídas más o menos profundas lo está haciendo consumiendo tiempo, o lo que es lo mismo desplegando un amplio movimiento lateral.

Gráfico semanal de Taiwan Semiconductor (TSM)

Adapt or die.

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Get The Full Series in PDF

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Q3 2021 hedge fund letters, conferences and more

That was the tough choice facing many small businesses when COVID-19 hit.

It was truly survival of the fittest.

The good news is millions of American entrepreneurs rose to the occasion.

According to CNBC, a record 4.3 million new business applications were processed last year. And 77% of those were online businesses!

Meanwhile, millions of existing mom-and-pop shops rapidly retooled to do business on the internet.

• As regular RiskHedge readers know, “entrepreneur stocks” made this possible.

Entrepreneur stocks help small companies set up and grow online. They’ve been lucrative investments since the pandemic struck.

Next-Gen Cloud Computing Stocks: Shopify

Shopify Inc (NYSE:SHOP) helps businesses set up and run online stores. It has rallied 226% since April 2020.

Square

Square Inc (NYSE:SQ) helps small businesses accept payments online. It has surged 355% over the same period.

Etsy

Etsy Inc (NASDAQ:ETSY) gives artists and creators a marketplace to sell custom crafts. It has soared 243% since the March 2020 COVID crash.

• But the biggest game-changer for small businesses has been the rise of “cloud computing for the little guy”…

In a nutshell, cloud computing lets companies access powerful software over the internet without paying a fortune.

Cloud computing stocks aren’t new. But most well-known cloud computing platforms, like Amazon Web Services and Microsoft’s Azure, are geared toward large enterprises.

I’m more interested in cloud computing companies that help little companies… simply because the untapped potential is huge.

Small- and medium-sized businesses employ 60 million people in the US. They also make up 99.9% of all registered companies.

But until COVID, almost none of them were online.

A recent Bloomberg study found only half of small businesses have websites. Even fewer have ever sold anything online!

Meanwhile, the huge benefits of moving to the cloud make it a no-brainer for most companies...

Deloitte found that small businesses that use the cloud grow 26% faster than ones that don’t.

That same study found 69% of companies plan to increase spending on cloud computing in the next three years.

Despite all this, most small companies haven’t moved to the cloud yet. A study by McKinsey confirms most companies only have about 20% of their workflows happening on the cloud.

In other words, there’s hypergrowth potential for cloud computing companies that focus on small businesses...

Intuit

Consider Intuit Inc. (NASDAQ:INTU)…

Intuit isn’t exactly a household name. But many small businesses couldn’t live without this company. It owns the credit score–tracking company Credit Karma and budget-tracking company Mint.

It also owns the tax-preparation company TurboTax and accounting software QuickBooks. And it recently acquired MailChimp to help small businesses with email marketing.

If there were a stock market Hall of Fame, Intuit would be a shoo-in. It’s returned over 20,300% since it IPO’d in March 1993. That’s enough to turn every $1,000 into $203,300.

HubSpot

Then there’s HubSpot Inc (NYSE:HUBS). Like cloud computing pioneer Salesforce (CRM), HubSpot helps businesses find, engage, and convert customers. Unlike Salesforce, HubSpot focuses on helping smaller companies.

HubSpot has rallied 77% this year and 2,500% since it went public.

I’m expecting even bigger returns out of stocks like these in the years to come.

Bill.com

• This is why I recently recommended Bill.com Holdings Inc (NYSE:BILL)…

Bill.com helps small businesses simplify payments with a solution that is automated, digital, and cloud-based.

Bill has surged 1,070% since it went public on December 12, 2019, and 66% since I encouraged my subscribers to buy it in June.

Bill continues to look like a market leader. However, there’s a strong possibility it will trade a little choppy until the broad market gets back on track. So, I’d like to see more confirmation of strength before I recommend buying more shares.

But companies like Bill.com will continue to thrive… because it’s never been more important for small businesses to operate on the cloud.

Keep your eyes on the cloud software stocks helping the little guys—that’s where the biggest profits will be found.

The Great Disruptors: 3 Breakthrough Stocks Set to Double Your Money"

Get our latest report where we reveal our three favorite stocks that will hand you 100% gains as they disrupt whole industries. Get your free copy here.

Article By Justin Spittler, Mauldin Economics

Updated on Oct 14, 2021, 2:27 pm

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Thanks for these posts comparing US housing values to other countries. I have long been frustrated by the narrative that current housing is less affordable than decades past… a position that is clearly false once you adjust for home sizes and interest rates. However, I didn’t realize just how much more expensive most other developed countries are, aside from the obvious cities that are always mentioned.

After looking a bit into the demographics of these various nations, I wonder how much age distribution will play in home values in the next 10-20 years. The US has a relatively low age dependency ratio, and in particular old age dependency. However, that has been rising recently and will continue rapidly over the next 10-15 years.

The chart you posted in another post shows Italy and Germany lagging in appreciation for the last couple decades. However, they’re still relatively expensive. Did they experience high appreciation while their population was quicly aging decades ago? Once the aging began to plateau, perhaps that’s when housing began to struggle there.

Bringing this to the US, will we see rapid appreciation for the next decade or so (esp in places like FL, AZ, SC, GA, TX) as the Baby Boomers continue to retire? Then once that begins to level off a bit, might we see housing struggle for awhile similar to Italy and Germany? This seems ripe for significant wealth building by Gen X and Millennials, possibly compounded by inheriting the correlated home equity wealth from their parents as the Baby Boomers hit their 80s and 90s.

No tenemos figura de vuelta como tal de la actual fase correctiva (fase de reacción) de corto plazo en Cellnex. Pero no siempre hace falta, podemos tenemos pautas de agotamiento de las caídas, como por ejemplo ocurre con los 'martillos'. Y en el caso que nos ocupa podemos hablar de una interesante y prometedora divergencia alcista entre el precio de la acción y el oscilador de momento estocástico. Es decir, mientras el precio nos ha construido mínimos decrecientes en los últimos días el oscilador de momento nos está dibujando mínimos crecientes. Y a eso es a lo que llamamos una divergencia alcista.

Esta, por norma general, acostumbra a traer consigo importantes rebotes de corto plazo contra tendencia. Así, creemos que es el momento del rebote y como niveles de resistencias que se pueden alcanzar tenemos el reciente hueco bajista de los 56,28 euros ('gap' de la sesión del 27 de septiembre) y por encima la directriz bajista de corto plazo que en el momento actual pasa por los aproximadamente 57 euros.

Gráfico diario de Cellnex

Si hay un valor complicado, muy errático y volátil, tanto para subir como para caer es éste. ArcelorMittal es es mi opinión de los valores más complicados de nuestro mercado. Suelo decir de él que nunca es lo que parece. El caso es que este presenta una imponente resistencia en el nivel de los 30 euros, coincidiendo con los máximos de enero de 2013, enero de 2014, enero y mayo de 2018 y de agosto de este año. Puntualmente hemos tenido algún precio ligeramente por encima de los 30 euros, pero nunca ha sido confirmado con holgura en velas semanales y mensuales. Y es que con este valor es mejor tener una buena confirmación antes de lanzarse al mercado.

Si quieren mi opinión, un servidor solo se atrevería por el lado largo (alcista) en los títulos del gigante mundial del acero si en velas semanales/mensuales fuera capaz de confirmar por encima de los 30 euros con claridad, sin medias tintas. Luego pasará lo que tenga que pasar pero lo cierto es que desde ese momento el título habría confirmado una gran figura de vuelta de implicaciones alcistas en términos de largo plazo. Una formación de vuelta de libro, de manual.

Gráfico mensual de ArcelorMittal

Farmers feared 120,000 animals might have to be killed because of a shortage of workers in slaughterhouses

El sistema público hay que utilizarlo de forma racional.
Es gratis, sí, pero no para usarlo sistemáticamente sin una causa que lo justifique.
Yo no suelo ir al médico. Eso antes. Ahora con la cincuentena, aparecen más goteras. Pero viendo cómo funciona la sanidad pública en cuanto a la tardanza de las pruebas diagnósticas, me pago un seguro privado desde hace 5 años.
Creo que lo he usado tres o cuatro veces.
A mí no se me ocurre ir a todos los médicos del seguro privado para chequear el estado de salud probando todos los especialistas.
Alguno, para estar a disgusto con lo público, se aprovecha a base de bien, y sin remordimientos.