January 23, 2018

Chinese Centralization and Control

Posted in Uncategorized tagged at 2:18 am by Keith Knutsson

China’s new leadership appointments over the last six months are likely to move China in the direction of additional economic and controlling centralization. Success over the last five years has given the government enough confidence to scale up micromanaging efforts at the sector level.

The financial sector in particular will witness a more comprehensive set of regulations within insurers, wealth-management companies, and online financial-service providers. In the past, highly popular asset managers were often able to achieve status without a regulatory license. In the next year even small incremental services will be difficult to launch without government approval. Transaction-wise, all online payments in China will have to pass through a central government-run clearing house. While such regulation might appear concerning, it is important to remember that in the past foreign investors have cited regulatory uncertainty as a primary concern – the new regulatory framework in China is expected to greatly reduce previously crippling ambiguity.

China is currently establishing the National Supervision Commission, an anti-corruption agency whose advantage is rooting out local noncompliance and making an example of officials and executives. Previously existing anti-corruption agencies will be consolidated under the commission, which will oversee inspections of all government departments, state-owned firms, and institutions. Despite criticism of such a commission arising due to conflicts with the Chinese constitution, those hurdles will prove themselves to be temporary.

Keith Knutsson of Integrale Advisors stated, “standardizing the economic experience within China is extremely important for foreign investment. In terms of economic control in transactions, China’s amount of non-electronic payments is expected to diminish by 2020 anyway – a mass supervision of transactions does not seem far-fetched.”


September 27, 2017

The Technology of Food

Posted in Keith Knutsson, Uncategorized tagged at 1:46 pm by Keith Knutsson

American consumers spent $1.4 trillion on food products in 2016, representing 25% of all U.S. consumer spending. Technology has changed the way we shop for goods. Some of these new technologies are also changing how we prepare and consume those goods.

Currently, many consumers are making the switch from their regular shopping habits to that of the online sphere. Roughly 10% of consumers are using online takeout and 2% for online grocery shopping. Consumers between the ages of 18-29 are the primary drivers of this movement because they are more willing to enter the online food space.

Online food technologies are considered more efficient in areas of high population density, given the challenges of food delivery in the rural marketspace. Online food shopping is becoming especially prevalent in highly dense cities in countries such as South Korea, Japan, the United Kingdom and the United States.

Online Grocery

When shopping online, the consumer is usually charged a service fee and loses the ability to physically inspect the food. However, it does save you a trip to the grocery store, ultimately saving you time. Younger consumers are looking past some of the issues with shopping online and are more willing to continue with it. Success in this segment will come with companies such as Amazon, disrupting the traditional grocery market. In addition, technology and delivery companies that partner with traditional grocery stores, such as Instacart are also to benefit.

Online Takeout

Takeout marketplaces, including companies such as UberEats and Grubhub take advantage of network effects and a fragmented supplier base to dominate the market. These companies use a transaction-based payment model, with service rates ranging from 10%-15%. In a recent survey, 64% of participants ages 18-29 preferred online takeout to ordering by means of a phone call.

Meal Delivery

Meal-kit services such as Blue Apron provide fresh, pre-portioned ingredients delivered directly to the home of the consumer. The package includes thorough instructions on how to prepare the food. These services offer convenience and the potential to eat a healthier, more balanced meal. Furthermore, the ingredients provided are measured precisely, limiting food waste. Growth in this market has been strong, despite the increasing number of competitors.

July 15, 2017

The Bulls are Alive Despite Falling FAANG’s

Posted in Uncategorized at 1:44 am by Keith Knutsson

In the past month, there has been a lot of concern surrounding the decline of tech stocks, specifically the FAANG’s or FAAMG’s (Facebook, Amazon, Apple, Netflix or Microsoft and Google). These stocks have helped the S&P 500 Index achieve a 9.5% return since the beginning of 2017, with 18% returns in the Information Technology (IT) sector and some large-capitalization with returns above 25%. However, despite popular belief these staggering returns do not contribute nearly as much to the overall performance of the S&P as some market speculators have claimed. One notable financial newspaper claimed without FAANG’s the S&P would only have returns of 1.4%, which is far from true

Although it makes sense, assuming tech stocks are the main support of the rallying economy, the impact of them is vastly exaggerated. The assumption is that the money was not invested in the excluded portion of the index, thus generating no return. In actuality, the money not invested can be deployed in alternative investments, such as real estate. According to a Goldman Sachs market report, the “rally has been driven by stronger earnings, sustained economic growth, and a still favorable monetary policy backdrop.” Their analysis of the current market situation is favorable to growth in the real estate sector, implying that interest rates are still at record lows encouraging investors to borrow and make deals happen.

 Sustained economic growth in the United States has been proven to be steady with job growth, upward wage trend and at 2.8-3.4% in accordance with the Goldman Sachs Current Activity Indicator, a proxy for real GDP growth. Looking outside of the US, growth looks to be equally supportive in developed markets like the Japan, UK and Eurozone. The G20 economies anticipate positive GDP growth, the first time since 2010. This proves the rally is less dependent on the FAANG’s and more favorable to a durable mix of strong earnings from various sectors. Capital flows around the world indicate a secure future in real estate. Goldman Sachs, along with other financial indicators, at Integrale Advisors’ Keith Knutsson concurs stating, “alternative investments, such as real estate will endure the temporary lull in tech stocks and are on a strong path for future growth.”

June 24, 2017

Cleaner energy, smarter solutions, and responsible investment

Posted in Integrale Advisors LLC, Keith Knutsson, Real Estate, Uncategorized tagged , , at 2:33 am by Keith Knutsson

“Renewable energy is starting to play a major role in decarbonizing our economy” said Keith Knutsson of Integrale Advisors.

Green Investment is gaining traction as shareholders pressure companies to move away from traditional fossil fuel industries and into companies aiming to reduce the global environmental impact. In most regions of the world, renewable energy is considered to be more cost effective than traditional coal. Solar prices have dropped by more than 60% since 2009 and the trend is expected to continue, opening the industry to a broader consumer base. The cost of large scale solar installation will drop by a further 25% by 2025, according to the International Energy Agency.

Renewable energy produces lower emissions than traditional energy sources and can help organizations achieve their environmental and emissions targets. If a company is willing to go in the direction of clean energy, there is typically additional financial support provided by local and state governments.  Some of the most popular forms of renewable energy include solar, wind, biomass, and geothermal heat. Solar energy is the most popular due to its low installation costs, low maintenance, and good return on investment. Here are some things to look for when considering renewable energy sources:


When installing solar panels, one must assess the condition of the roof, structural conditions, site alignment, and electrical configuration. For wind turbines, weather conditions at the site, zoning requirements, and the availability of land for development must be considered.

Property Rights

Properties in commercial business districts have building tenancy restrictions and lease agreements, sometimes restricting structural or cosmetic change. Furthermore, tenants who wish to install onsite renewable energy may not be able to do this due to their current lease arrangements with their landlords.


There is currently a multitude of financing options available for renewable energy projects. By switching to renewable energy, a company may benefit from a range of tax incentives, grants, and positive public relations.

March 23, 2016

Lee, Collier real estate sales slump in February

Posted in Uncategorized at 6:56 am by Keith Knutsson

While Lee County real estate prices continued their upward trajectory in February, sales took a nosedive, according to a Tuesday report.

City for city, every Lee locality saw a drop in home and condo sales led by Sanibel/Captiva, and median prices increased in all markets except Sanibel.

The county is not alone. Naples area home sales saw the biggest percentage drop in the state, according to Florida Realtors.

February’s numbers, while lower than last year’s, are typical for the period, Realtors said.

“Our top of the season for closed sales runs March through November.” said Jeff Miloff, managing broker for Miloff Aubuchon Realty Group. “That’s when the real buyers and sellers come out.”

Many sellers anticipate the season by putting property on the market early in January and February, asking higher than market prices, Miloff observes. As the season winds down, their prices come down, too.

“Buyers are aware of that behavior, and act accordingly,” he said.

February by the numbers

Lee County Realtors closed 825 home sales in February, down 12.5 percent; while condo sales were down 26 percent from this time last year.

In Collier County, home sales fell 16.8 percent for the same period.

February also marked the 51st consecutive month Lee median home prices increased  — a 12 percent jump, from $194,000 to $216,810 for single-family homes.

The median Lee condo price rose to virtually the same as home prices: $192,000.

The median Naples area home rose 17.9 percent to $460,000, the highest median price in Florida.

But the region’s most affordable single-family homes in Lehigh got a bigger median price bump — from  $95,000 to $132,000 in February, up 38.9 percent.

Pine Island also grew its median home price dramatically: from $182,000 to $260,000, a 43 percent increase in one year.

See Southwest Florida’s top ten home sales of 2015

Brighter days ahead, Realtors say

While he didn’t give exact figures, “March has picked up with a vengeance,” reported Roger Brunswick, a Realtor with John R. Wood Properties and president of the Bonita/Estero Association of Realtors.

Brunswick thinks part of the early real estate market jitters shadowed the stock market, which took a 9 to 10 percent hit in January and February.

“The stock market has recovered its losses. It’s ahead of where it ended in December,” he said. “It’s also spring time; the time of year snowbirds are looking to buy.”

The Canadian dollar being down was another big factor in February’s numbers, Brunswick said.  Canadian buyers are a large percentage of the discretionary buyers in south Lee and Naples, and their weaker currency is an incentive to wait rather than pounce on a second home.

But Realtors from Lee to Collier said their March sales are looking so good they may make up for February’s shortfalls.

And they agree home and condo price increases will slow to around 7 percent this year.





March 22, 2016

Real estate coach shares tips for success

Posted in Uncategorized at 12:06 pm by Keith Knutsson

Spring has officially sprung, and that means it’s time for local Realtors to get to work. Spring typically starts the home-buying season, but is the current housing market something to celebrate? Or is it bad news for buyers and sellers?

More than 100 area Realtors packed into a Holiday Inn in Lehigh County on Monday to learn from Mike Ferry, who has been voted the most influential real estate coach in North America. He was there to give his not-so-secret tips for succeeding in the competitive real estate field. QUICK CLICKS Life Lessons: Young politician inspired to run Emmaus losing another police official to retirement Updated plans presented for new Emmaus municipal complex Northampton Area SD facing tough decisions Police crackdown on aggressive driving ”

I tell people selling real estate, it’s very simple, but it’s not very easy,” Ferry said.

No matter which side of the curb you stand, the market in the Lehigh Valley area of Pennsylvania has been anything but easy. Sales have dipped since 2013, but they’re up over the past year, while inventory is down.

“We have more buyers right now, pre-qualified and are out there shopping, than we’ve had for years at this time of the year,” said Christopher Byrnes, a lender.

Byrnes said low mortgage rates have turned this into a buyer’s market, especially considering the median home sale price of $165,000 is basically the same as it was in 2011.

So, when will prices start to significantly rise in the Lehigh Valley? A study by the Lehigh Valley Planning Commission said not for another five years.

“Witnessed a bubble burst, so to get to that level probably be a long time of strong demand for existing supply,” said Eric Mcafee of the Lehigh Valley Planning Commission.

Mcafee said prices could surge if demand continues from those in northern New Jersey looking to the Lehigh Valley as an escape from the New York metro area.

But for Realtors looking to capitalize now, it’s all in learning the skill of the sale.

“I think you putting your house on the market for sale, it’s a really good time to do it,” said Chris Jasinski.




December 25, 2015

How the Income Investing Strategy Works

Posted in Uncategorized at 10:15 am by Keith Knutsson


Mr. kieth knutsson shares some questions generally investors faced. What is a pay contributing system? How can it work? What are its advantages and weaknesses? Why might somebody pick it over the options? Incredible inquiries, all. We should dive into them so you develop with a superior comprehension of the sorts of speculations that may be held in a salary procedure portfolio, and additionally the open door cost you’ll acquire by not settling on one of the other basic methodologies.

1. What Is an Income Investing Strategy?

The phrase “income inv


esting strategy” refers to putting together a portfolio of assets specifically tailored to maximize the annual passive income generated by the holdings.  To a lesser degree, maintaining purchase power after inflation adjustments is important.  A tertiary concern is growth so the actual real dividends, interest, and rents are increasing faster than the inflation rate.

2. What Is the Objective of the Income Investing Strategy?

As per Mr. Keith knutsson the reason investors put together an income portfolio is to produce a

3. What Types of Investments Are Used to Construct an Income Strategy Portfolio?

The specific asset allocation among the different asset classes will vary with the size of the portfolio, interest rates available at the time the portfolio is constructed, and a host of other factors but, generally speaking, an income strategy will require some mixture of: Safe, secure, dividend-paying blue chip stocks with conservative balance sheets that have a long history of maintaining.

December 21, 2015

Thankfulness one of keys to success

Posted in Uncategorized at 9:40 am by Keith Knutsson


As per Mr. Keith Knutsson’s business experience to enhance your success and well-being, you should develop an attitude of gratitude for all seasons. Mr. Keith Knutsson shares  few recommendations:

  1. Be grateful in your mental approach. Focus on what is going well at work and stop worrying about what you don’t have. This attitude will place a smile on your face and take away your frustration, sadness or anger.
  2. Have an early morning happy hour. Instead of waking up and beginning your day by thinking of your checklist of tasks, begin your day by focusing on three blessings in your life.
  3. Always give thanks to those who have touched your life. I would not be retelling the story of Gary Player, and giving him great publicity, if he didn’t live by this motto.

That occasion was my reminder in the matter of how vital expressing appreciation is to your prosperity. This demonstrated to me that Gary Player has a demeanor of appreciation and this life mantra added to his enormity. Mr. Keith Knutsson advise that being appreciative permitted him to handle the terrible breaks on the course and in addition decrease his dissatisfaction when his amusement went south for the day. His state of mind of appreciation helped him to stay quiet and cool under weight and, subsequently, he played better in rivalry. He was appreciative for whatever the amusement had in store for him, and this impelled him into the stratosphere of his calling.

December 14, 2015

The Rise of Sustainable Investing

Posted in Uncategorized at 10:57 am by Keith Knutsson

res1114investmentsectionmi600-resize-600x338   Rather than simply taking a gander at a stock value, financial specialists are asking how a firm effects society all in all.Millennials are keenly interested in investing in companies that make environmental awareness a priority.

        What is practical contributing? Mr. Keith knutsson’s study characterizes feasible contributing as “the act of making interests in organizations or speculations which intend to accomplish business sector rate money related returns while seeking after positive social and/or ecological effect.”

For a considerable length of time, speculators took a gander at a company’s monetary execution and figured out whether obtaining stock was justified, despite all the trouble in light of if the organization was beneficial. That is still the case today, yet now some are inspecting more than just dollars.

As per Mr. Keith Knutsson’s experience rather than simply taking a gander at a stock value, financial specialists are beginning to ask how a firm effects society overall. An organization may be profiting, however in the event that it’s adversely affecting society or the earth it may not be manageable over the long haul. Not just are individuals turning out to be more mindful of working with organizations that have a beneficial outcome, yet these “win no matter what” firms open themselves up to immense potential natural and/or social issues that could bring about an enormous advertising hit, legitimate expenses, or at the very least, death toll. These components can and do bring about financial specialists to look somewhere else.

      Mr. Keith Knutsson advise that investment firms are, however, becoming more aware of this and starting to educate investors on where to look and what to look for to help prove that sustainability doesn’t necessarily mean unprofitability.

December 5, 2015

Simple Ways To Invest In Real Estate

Posted in Uncategorized at 11:22 am by Keith Knutsson


As per Mr. Keith Knutsson’s suggestion purchasing land is about more than simply discovering a spot to call home. Putting resources into land has turned out to be progressively prominent in the course of the most recent fifty years and has turned into a typical venture vehicle. In spite of the fact that the land business sector has a lot of chances for making enormous picks up, purchasing and owning land is significantly more confounded than putting resources into stocks and bonds. In this article, we’ll go past purchasing a home and acquaint you with land as a speculation.

Basic Rental Properties

This is a venture as old as the act of landownership. A man will purchase a property and rent it out to an occupant. The proprietor, the landowner, is in charge of paying the home loan, duties and expenses of keeping up the property. In a perfect world, the landowner charges enough lease to cover the greater part of the previously stated expenses. Mr. Keith Knutsson advise that a proprietor might likewise charge more keeping in mind the end goal to create a month to month benefit, however the most widely recognized procedure is to be patient and just charge enough lease to cover costs until the home loan has been paid, at which time most of the rent gets to be benefit. Moreover, the property might likewise have acknowledged in worth through the span of the home loan, leaving the proprietor with a more important resource.

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