background image
Is 2019 a Good Time
to Buy a House?
Hey Taylor - Where¡¯s the
housing market headed? My wife and I are
on the fence about buying in 2019, mostly
because we¡¯re nervous about buying right
before a big price drop. Any insight? - Rick
Hey Rick - I have insight, but I do not
have a crystal ball. I¡¯m happy to give you
some of my personal thoughts based on
the information available, but I have to
ask that you refrain from telling everyone
that Taylor Kovar thinks he knows exactly
where the real estate market is headed
and when. If that were true, I¡¯d be a
1. Strong economy. Employment
numbers and tax rates have the economy
surging, and it doesn¡¯t seem like a po-
tential housing bubble will threaten all
American financials in the way we saw in
2008. Until we see signs of an economic
drag, it¡¯s probably not smart to predict the
housing market will take a drastic turn.
However, the one economic factor that¡¯s
trailing in some sectors is wage growth,
and that¡¯s a problem that directly affects
home supply and sales. Furthermore, you
have to think about your local jobs and
wages in addition to the national numbers.
Right now the big picture is good. Until
that changes, house prices should con-
tinue to rise.
2. Rise in construction. Since demand
has remained high, it looks like construc-
tion and development is starting to pick
up. In Texas, we¡¯re seeing a steady uptick
in development near some of the larger
cities. Since availability is a big factor in
our current housing climate, more houses
should help the market stay steady. Again,
your location will determine supply. Some
cities and suburbs are running out of
buildable space, and those markets might
struggle more than areas where devel-
opment happens relatively quickly. Es-
sentially, if houses are being built in your
neighborhood, you have a better chance
of finding something that will increase in
3. How much can you spend? It looks
like prices are going to keep rising. While
there will be some sort of correction at
some point, the market will recover again
and then we¡¯ll eventually see prices that
dwarf the numbers we¡¯re seeing today.
This cycle continues to repeat, making
any property you can buy today some-
thing that will almost certainly go up in
value over the course of a few decades.
So, can you afford to buy a house? Don¡¯t
think about the $20,000 you might save
if you wait a year, and instead think about
whether or not you can comfortably buy
something at the going rate. If you can, I
would say it¡¯s a good idea.
The market will change, Rick. I¡¯m not sure
when or how much, but it¡¯s going to hap-
pen. My advice is to worry less about what
could change and focus on what you can
and should do now. Good luck!
(Taylor Kovar - Wealth Manager. Author.
Speaker. Serial Entrepreneur. Travel
Lover. Chick-Fil-A Fanatic. Family Man.
Disciple. Kovar is the CEO and founder of
Kovar Capital Management LLC of Lufkin,
Texas. Read more about Taylor at
Disclaimer: Information presented is for
educational purposes only and is not an
offer or solicitation for the sale or pur-
chase of any specific securities, invest-
ments, or investment strategies. Invest-
ments involve risk and, unless otherwise
stated, are not guaranteed.
Be sure to first consult with a qualified
financial adviser and/or tax professional
before implementing any strategy dis-
cussed herein.
To submit a question to be answered in
this column, please send it via email to, or via
USPS to Taylor Kovar, 415 S 1st St, Suite
300, Lufkin, TX 75901)
The Good News
2019 February/March
Pg 4 - The Sunshine Express
2018 CDA Approved Seed Varieties:
(Variety - Country - Company - Contact)
1* B 11 - CO, USA - Potent 2018 LTD - Yoav Giladi
2* CRS-1 - CANADA - Hemp Genetics International
3* Henola - POLAND - The Polish Institute/ Inter-
national Hemp Solutions - Bija Hemp
4* Medicine Mother - CO, USA - Mountain Flower
Botanicals - Jan Vandenberg
5* Rajan - POLAND - The Polish Institute - The
Polish Institute
6* VC Star - CO, USA - GrowHempCO - Veronica
To be CDA Approved Certified Seed, hemp variet-
ies must be produced and labeled by members of
the Colorado Seed Growers Association according
to Association of Official Seed Certifying Agencies
(AOSCA) standards.
The seed varieties were grown and tested in the
Northeast, Arkansas Valley, Front Range, the San
Luis Valley and on the Western Slope.
These five locations with distinct differences in day-
time and nighttime temperatures, in altitude, length
of growing season and soil types, provide the CDA
with a broad representation of Colorado¡¯s growing
Seeds (continued from Pg 3)
Go Far With Kovar
It¡¯s time for the RV BAR ANGUS, 12th annual pro-
duction sale. Performance tested Angus bulls and
females, Saturday, February 23, 2019, 1p MST, at
the ranch, 7673 Hwy 40, Jensen, Utah.
Selling 100 head. 70 Angus bulls, 6 Sim Angus
bulls, 25 Open Yearling registered and commercial
Heifers, 5 Bred females.
This offering summers at
7,000-8,500 feet in eleva-
tion. Every bull selling was
raised at RV Bar. Many
calving ease bulls will sell.
The RV Bar herd is now in
its fourth generation and
continues to grow and ex-
pand with superior Angus
seedstock. This sale will
feature large numbers of
half-brothers of: RB Tour
of Duty 177, Quaker Hill
Rampage OA36, SAV Ten
Speed 3022, KCF Bennett
Absolute, AAR Ten X 7008
SA, SAV Sensation 5615,
Connealy Black Granite.
All bulls will be fertility
tested and PAP scored.
Complimentary feed on all
bulls until June 1, 2019.
Free delivery on five or
more bulls within 150 mile
Contact Randy Vincent
435.828.1111, Randan
Vincent 435.828.1116, or
Jake Wilkins 435.828.8391,
For your free refer-
ence sale booklet con-
tact anyone in the office
of the Sale Managers,
Tom Burke, Kurt Schaff,
Jeremy Haag, American
Angus Hall of Fame at the
World Angus Headquar-
ters, Box 660, Smith-
ville, Mo, 64089. Phone
816.532.0811. Email:,
View bid live on the inter-
net at LiveAuctions.TV
conditions. Growers plant-
ing with CDA Approved
Certified Seed would be
considered very low risk for
testing purposes.
For seed availability please
contact the seed compa-
nies listed.
The CDA Approved Certi-
fied Seed program requires
that all individual seed
packages be tagged with
both CDA tags and certified
seed tags.
CDA does not sell seed and
has no information about
seed availability or variety
performance; please check
with the individual seed
companies listed.
For more information on
the certified seed program,
visit the CDA¡¯s Industrial
Hemp web page or contact
Terry Moran, Industrial Hemp Certified Seed Spe-
cialist at: 303.869.9078 or email: Terry.moran@
Big Angus Sale