GREAT CONVERSATION POINTS FOR YOUR BUYERS

   Several recent events have set the stage for the coming year:

1. Consumers have continued to pay down debt and increase savings, leading to a significant improvement in household balance sheets.
2. The extension of the Bush tax cuts have also helped improve consumer sentiment.
3. Retail sales have remained very strong according to the National Retail Federation, because consumers are more comfortable with their debt.
4. A recent survey of economists, conducted by Bloomberg, reports GDP expectations have risen and is now at 3.3% for the year.
5. Wall Street is up 5% for December. This is almost half the 11% gain this year, and it occurred just in the past month.
6. According to Steven Wienting, U.S. economist at Citi Global Markets, “Consumer Demand is self-reinforcing.”
   •  Companies will respond to the increased demand from sales by increasing production.
   • When production increases, there is a need for more workers and hiring increases.
   • More people working leads to even more demand, then more hiring, etc..
7. For Northern Residents contemplating a move to a warmer climate in Florida, making a move now could be ideal because of;
   • Interest Rates moving upward.
   • Recent severe weather conditions up North.
   • Likely improvements in the economy and employment based on the above-described considerations.