Re: Loan payments impact on credit score

BreadWithSpam@[EMAIL PROTECTED]
 wrote:
> joetaxpayer <joetaxpayer@[EMAIL PROTECTED]
> writes:
> 
> 
>>BreadWithSpam@[EMAIL PROTECTED]
 wrote:
>>
>>
>>>That was during a unique and extraordinary period.  Over the
>>>long run, houses go up at about 1-1.5% above inflation, NOT
>>>at 20% in 6 months.
>>
>>BWS - see
>>http://mysite.verizon.net/vodkajim/housingbubble/****ller_graph.gif
>>
>>This is a Robert ****ller graph, ****ller of the 'Case - ****ller' index.
>>The chart is inflation adjusted, and shows no increase to speak of
>>from 1890 to the mid 1990s. Go right to the boom peak and we're at a
>>bit under .7%/yr increase. May I ask where you get data to sup****t
> 
> 
> I forget where I got the 1-1.5% number from

I think you're both right.  ****ller's data that Joe shows in the link 
above excludes new construction.  But I believe in the second edition of 
_Irrational Exuberance_ ****ller gives Bread's number when the median 
price of all homes, including new construction, is used.  You know - new 
features, bigger house, etc. must be taken into account.  Jim was 
talking about a situation where he would be building so Bread's number 
might be more useful, but as Bread points out, either growth number 
makes the point.

-Will

william dot trice at ngc dot com

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