Faerfield’s Post

Willy - great responses to the CNBC questions. And I agree that the banks have averted a crisis in commercial lending; however, plenty of other brewing challenges are ahead for most Americans. The yield curve is still inverted - bad news for most of the non-public developers/owners for the next 18 months. This will be a challenge for a substantial number of owners and their permanent lenders (CMBS and Agencies). Multifamily owners are facing unprecedented higher costs including insurance, property taxes, and labor. These costs will be passed along to tenants. However, a popular theme is that corporate greed is the problem and not the unprecedented inflation over the past three years. The Biden/Harris/Walz proposal to limit rent increases to 5% per annum will have unintended consequences. Class A- and B properties will not be improved, which will lead to a tsunami of sub-standard Class C properties. Affordable maybe, but unlivable. Check out New York and Chicago. Perversely, the affordable market has been propped up by 15 million new non-residents who are seeking shelter. The supply/demand curve for affordable housing has been rocked by this unprecedented demand. Rents are still rising despite significant supply increases. Not a great scenario when wage increases are significantly less than rent increases. And the $25,000 new homeowner credit will not be equitable. Renters who cannot qualify will be left behind -only new homeowners will qualify. What about all the buyers who just bought a home and did not receive this graft? This is akin to the college debt relief program - the students who worked hard to pay off the debt will be disenfranchised. IMHO, 2025 will strain consumers' wallets, particularly the majority of Americans who cannot/shouldn't pay more than 30% of their income on rent.

29th October 15:10 Chepstow Ratings 123 Sageburg County 122 Opening Bid 100 Eaton Collina 89 Range 85 Hititi 83 Thor De Cerisy 82 Nocte Volatus 77 Can You Call 71 Do Your Job 67 Theformismighty 60 Nothin To Ask 54 Stormy Flight 41 Gyenyame 40 Classic King Form Guide Sageburg County: Demonstrates good form over distance and class, exhibits speed, and has course form. Finished 1st over 19f at Chepstow, class 3, good conditions, carrying 4lbs less, with a £6 profit on chases, each-way bet recommended. Opening Bid: Shows good form over distance and class, with solid performance on going and course. Placed 2nd at Uttoxeter, 21f, class 4, good conditions, each-way bet advised. Eaton Collina: Has good form over distance and class, with course form. Won at Wetherby, 19f, soft, class 3, carrying 5lbs less, considered a win, each-way bet, and saver. Range: Well-placed handicap mark, focusing on chases this time. Each-way bet suggested.

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At 1:00 AM yesterday morning, our flight home landed after a long travel day home from the ASHE conference in Anaheim. After a check in at R.A.S.K. & Associates, Inc. headquarters, I packed my truck for the National Sporting Clay Assn 2024 US Open. I’ve never shot in one and I couldn’t be more excited! Obviously, things still need to get done and people still communicate…which is why I love these cheesy little work stations in budget-friendly hotel rooms 😂 This US Open shoot needs a bit of clarification. Many people have said “Congratulations!” when I mention that I was shooting it this year. To be clear, I did not have to qualify for this. I simply signed up, paid the fees and drove up here. The shooters here are the best in the country…and I’m a decent shooter for Indiana…but I’m here to compete. My ONLY goals for this first-time (for me) event are to attend, collect stories/experiences, be a good squad mate, and build/trust my process when shooting. Next week, I’ll have the opportunity to host a group of #HealthcareFacilitiesManagers with Indiana Society for Healthcare Engineering at Victory Field for a baseball game with my partners Abby Lauck, PMP, Edwin Frieden, and Nick Millspaugh as well as represent my team at the annual BOMA Indiana golf outing before leaving for the @Iowa Sporting Clays Association annual state shoot. Life is busy but good. “Balance” is not something I seek…I much prefer “harmony”…happy to discuss that if anyone is curious about the difference. #businessdevelopment #businessfriends #gunclubnetworking #snowandicemanagement #commerciallandscape

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