Our economy

This year, the U.S. economy was the biggest drop in building permits, stocks have fallen to record levels and unemployment continues to rise. This trend leads to more people and businesses to resolve the debt.

The most significant is the drop in building permits only that have kept the economy afloat for many years has added to the stock price, causing panic amongst investors and the continued job losses in most sectors of the United Statesindustry knows it, and mixed a cocktail of economic destruction. We are also seeing a slowdown of production orders' of consumer goods.

The estate has been one of the strengths of economic growth in the United States for many decades, in many cases led to the economy of our country. is a good indicator of recession and is now one of the most visible face that difficult economic conditions. Not only the new construction to stop, ifcompared to other years, the amounts of the crisis has reached record levels, leaving ever more deeply into debt every day. These Americans, due to the loss of jobs are losing their ability to keep up not only on their mortgages, but also other loans.

The amount of credit card debt is canceled by the creditors, who are reaching record levels, as well as students and auto loans are now delayed more. People have lost a lotsums of money into shares, losing confidence in the system itself each time it creates a large amount of wealth for themselves.

Prices of raw materials essential daily needs of our core has reached new heights. This is directly below the manufacturers have been slow. Which means less of an article available on the shelves of supermarkets when we shop, which will have a direct effect on prices, namely a smaller increase in prices. Bill Shoppingfor a family is likely that next year to be almost double what it is today.

The economic trends that we see today is the result of losing the policies that have allowed too many concessions to industries such as oil, energy, housing and others. I hope this will teach us to monitor our economy and restore order to make it better for future generations.

While the economies of our countries, many of us have made the same mistakes at home, allowing families to spend our waybeyond our means. This problem can be measured by the amount of credit card debt not guaranteed that we celebrate. Most U.S. households have an average credit card debt and $ 8500 now and the current economic situation has led many to seek debt relief. It is important to know where to seek help as such do not want to repeat the mistakes of the past. If the idea is to save money, then we must ask for help is not expensive, we must seek the help that is honestIt is our interest at hand. A new trend is emerging and U.S. consumers are gaining ground in many discover that can really take care of your debt to help others, keep your hard earned money near their home, where it should be, this new trend is called Do It Yourself Debt Settlement.

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Uncertain economy and the withdrawal of money

Many of you are in the red zone right before retirement or already retired. There is no doubt that his main concern is the lack of money in retirement. You're one of 35 million euros over 65 large and growing demographic: the year, 50 million drawing Social Security and 78 million baby boomers turns 62. This means that the future demand for everything that serves to establish the "withdrawal" will increase, and "price" of old age will rise significantly. Many of you have accumulated apension savings into an account of seniority, receives a pension from the company and / or have other retirement savings and investment. Where you should keep the money in retirement?

If keeping pace with economic and financial developments is what we see: sub-prime credit crisis that has destroyed homes and now extends to cars and credit card debt, and bond markets highly volatile shares The weak dollar fueling price increases oil and other raw materials;more unemployment and higher inflation, retail sales, consumer confidence and the creation of new jobs in decline, drastic cuts in interest rates by the Federal Reserve to avoid a recession, a gift package stimulus money from Washington to support the economy lagging, many talk of recession and stagflation. They must add the economic problems should lead to reconsider the case of your money for retirement.

They say that the stock market is longer termbut "long term" has a different meaning in retirement. Perhaps the collapse of the dot.com stock market in 2000-2002 to send lots of retirees returning to work and to prevent others to retire? Are not the current inflation-adjusted indexes below previous peaks? Regardless, the voices of Wall Street firms and investment advisory for purchase now at bargain prices. markets or are increasing their self-service consultancy that can predict the economy or thestock market?

If the craters on the bag as he did in 2000-02 and 1973-74, and has lost part of their retirement money, how will you replace it? Because there will be a second chance, I encourage you to think seriously before committing your money. If you've already said that will do just as well for an extended period (which usually means ten years), make sure you can wait that long to rebound in the market. I also remember that recovery is not true!

What about places like the type of fixedbonds, bank CDs and money market accounts? E 'rock-solid security unless their greatest fear is to survive his money. As the current fixed rates are lower than inflation, you will lose purchasing power with these options. The potential loss of purchasing power, increase the likelihood of surviving their money. What about real estate, collectibles and non-market investment? These are not the only risk, but generally illiquid. Before committing retirementmoney, ask yourself this question: "How can I handle the worst outcome?"

There is a place that offers a savings of "opportunity" to make a return on the market without the risk of loss, if maintained long term. It is guaranteed by some of the oldest in the world, the company stronger and more large financial institutions. The rate of return is determined by the values and interest rates on the bond market with the owners of participation in the possible benefits, but avoid the loss of down. The worst outcome is guaranteed positiverate of return. Accrued interest is deferred income taxes actually removed and there is no mandatory age when the money should be used. Moreover, it can become a guaranteed income for life that can be started, stopped and stored. It also offers penalty free partial liquidity for emergencies and the deviations of succession, if the names of the beneficial owner. Can be opened for a lot or a little ', sometimes more money can be added later. There is no lawlimit the amount of money that can be placed in it. This is truly a safe place to save money for retirement.

It 'been criticized by Wall Street and bankers, because it competes with their products. The financial press do not like either - mainly because they are uninformed, misinformed or in part. I speak indexed fixed annuities offered by insurance companies: the same companies that insure your home, life, health, business and other valuables. Theworst result is positive, although low, the rate of yield to maturity, but there is a chance to do much better. Index-linked fixed annuities are not for everyone, but we need to be considered one of their insurance options for pension funds. Where do you keep the pension funds in the current climate of economic uncertainty and problems? If the sites at risk, now is the time to review the options.

Shelby J. Smith, Ph.D.

February 2008

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You can survive without the use of credit?

Diana Pearce, a professor at the University of Washington has played an important role in helping to establish a new national standard for self-sufficiency. The idea is to establish a more accurate measurement of poverty and near-poverty in what is known as the federal poverty level.

Its latest report called neglected and undervalued: Fighting to live in Colorado. You will find this report Click cclplonline.org recent publications.

It is not surprising that their results showSelf-sufficiency is much more than what the government defines poverty. Pearce said that his standard is based on all major budget items faced by working adults: housing, childcare, food, health, transport and taxes. "It also reflects the costs vary depending on the age of children. I quoted a newspaper in Denver that Ms Pearce described the new rule:

"The rule is an adult in the county of Denver needs $ 18,732 in salariesindependent, a little 'more than twice the federal poverty level. A family with one adult and three children, with $ 59,702, compared to federal poverty level of $ 22,030.

The article I read went on to say that Mrs. Pearce has suggested that someone should do something about this disparity, of course, enormous. Who is this someone? Government? The individual?

Moreover, he said, "The problem is that families with insufficient income working evilprofession, or working a few hours, but their wages are too low in their current job. "

But how many employers can actually pay a decent wage?

Their conclusions that I found interesting the number of new governance standards are based on official inflation statistics.

The official inflation statistics are kept artificially low by poverty, so that the government did not pay morerights such as welfare, Medicare and Medicaid. My independent sources tell a different story for inflation: the real inflation is about 3 times what they say (see graph)!

Consequently, the new standard for Mrs. Pearce is really just the tip of the iceberg when it comes to what is really going to survive today. Although this particular report is specifically for the people of Colorado, who has done similar reports for other states. The situationLeave the money on arrival is of epidemic proportions across the nation.

Furthermore, research shows affects everyone, not just hovering around the poverty line. "We were all on the effects of manipulation by the government when it comes to be fully informed of what the actual inflation and its effects team.

What to do? Change your mind about money. Make the effort to learn more (from an independent source)needed to create real wealth and make fully informed financial decisions.

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Why liquidity is important in the mortgage crisis in progress?

These days, the Federal Reserve, European Central Bank, Bank of Canada, Bank of England and Swiss National Bank have teamed up to auction 110 billion U.S. dollars on the markets of the United States against the money in the world to facilitate the recent liquidity crisis . But what is liquidity? Why should banks auction money to solve this problem? And how does inflation play into this phenomenon?

Well, for starters, liquidity refers to the amount of money available in a given market that can be borrowedfrom one person to another. If the economy is regarded as a machine, with functions of liquidity of thousands of interlocking parts, and then, like oil, keeping all the moving parts lubricated. If growth is not enough liquidity in the market, loans become more expensive and time-and cost is inherently limited, because banks are less willing to give to each other, if they are able to cover their deposits. The Northern Rock bank in England, are a perfect example ofWhat happens when a bank can claim their deposits. In today's globalized economy, banks depend on lighting operations of large sums of money quickly in all regions of the world. If they are reluctant to lend to each other, as recent events have shown, currency supplies start drying up.

In this spirit, the sub-prime crisis in recent months is likely to further restrict growth, especially in the United States. The central bank's decision to add money into the economy is designed to maintainstable cash flows in the markets, I also hope to help strengthen the confidence of investors. Unfortunately, the sub-prime debt still exists, and banks are not likely to reduce lending rates between banks well until all the debt is declared on balance sheets. And 2 million of defaults occurring in May next year, the crisis is far from over. This injection of cash implies that central banks are trying to stop a problem that we recognize as very serious, because they never gotcoordinated and concerted way forward.

But its course without a doubt the impact of concern for the other major central banks must balance liquidity of inflation. These price increases, which make currencies less valuable. If you take morning $ 10 to buy a Big Mac, the dollar has lost about 40 all together, probably the result would have been different. Only time will tell whether the infusion of money will be enough to help banks to cut interest rates againgrowth levels of friendly.

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Silver wants to get run over by JP Morgan handling

Inflation.us reports indicate that support Inflation.us By subscribing to these free! Stunning new evidence of manipulation of silver and gold has just been published by the Office of the Comptroller of the Currency (OCC), an agency of the U.S. Department of Treasury. The OCC, first established in 1863, charters, regulates and supervises all national banks. Their new data show unequivocally manipulation. The report also confirms how the U. S. Government, in partnership with JPMorgan ChaseSilver intentionally deceived many investors around the world, billions of dollars in the fourth quarter of 2008, and for longer. It was nothing out of the futures market, which normally write. It 'was a fraud of historic proportions. dealbook.blogs.nytimes.com news.google.com forum.prisonplanet.com community.marketwatch.com

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