 | |  | |  | |  | |  |
11 Things to Do With Your Money in Financial Crisis, in Difficult
Economic Time!
Protecting Your Financial Future
1. Hold More Cash in Reserve
As always, when things get nutty in the markets cash is king. A healthy cushion in bank CDs or
money market funds will let you ride out the slump without having to sells assets at fire-sale
prices. A cushion will also put you in position to invest when the downturn's bottom is in sight
— and that could come sooner than you expect.
2. Spend Less, Find Something to Cut
Eliminating expenses is the surest route to building a cash safety net. There are many costs
you can easily hack away at in your home — dry cleaning bills, dinners out, domestic help.
Yet you may be able to save even more, and painlessly, by paying closer attention to the fees
you pay for financial services. Switch to a low-fee stock index fund. Make sure you've got
overdraft protection on your checking account and aren't needlessly ringing up fees by using
another bank's ATMs. Reassess your life insurance needs.
3. Pay Down Debt; Interest rates are killer
It may seem like an overwhelming task, so do it by focusing on one piece at a time. Start by
paying off your credit card with the smallest balance. You'll feel empowered once you've
cleaned that slate. Then move to the card with the highest interest rate, and then onto
consumer loans with variable rates. Where will you get the money? If you get a raise, or pay
off a car or student loan or become free from some other regular expense don't spend the
difference — dedicate it to debt reduction.
4. Make Sure Your Money is Safe
Money crisis: US FINANCIAL SYSTEM IN TROUBLE, BAIL-OUT PACKAGE. Americans react.
What are you doing with your money in the wake
of the financial crisis? HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT YOUR
MONEY AND HAVE PEACE OF MIND!
The federal government recently raised the amount of deposits per person per institution that
it will guarantee to $250,000 from $100,000. But it had been discussing a limitless guarantee.
So don't be confused. More important, this is a temporary bump in coverage that may last only
through the end of 2009. So if you consolidate deposits in a single institution you may have to
reverse the process in little more than a year. To keep things simple just play by the old rules
— keep no more than $100,000 in any one institution, at least until it becomes clear that the
higher limit will be made permanent. There have been no changes to government guarantees
regarding securities held in a brokerage account. The limit is $100,000 of coverage on cash
deposits and up to $500,000 on other securities like stocks and bonds. Note: the government
does not guarantee against investment losses; only that the securities you own will be returned
to you at prevailing market prices
should your broker fail.
5. INVEST IN REAL ESTATE
GO MAKE YOURSELF RICHER BY INVESTING THE RIGHT WAY IN THE RIGHT PRODUCTS.
REAL ESTATE INVESTMENTS CAN HELP!
REAL ESTATE INVESTMENT IS A BETTER WAY TO BUILD WEALTH!
When it comes to reliable investments, real estate investing is the best wealth-builder in the
world.
Home-buying; that’s why we are ready to share the proven techniques for investing in this
powerful asset.
We will show you the same step-by-step strategies the masters in real estate use to make their
millions. With us you will be well on your on your way to
making your own riches. CONTACT Mr. ANTONY AT: 786-709-6577 --- Fortune International
Realty
Real Estate is a road-map to riches, it’s one of the way to build wealth. The ultra rich always
invest in real estate. There is no better investment
than real estate despites the ups and downs, it outperformed all other investments. Real Estate
is nothing but a passport to wealth
REAL ESTATE INVESTMENTS:
Invest today for a better tomorrow, invest for an
ideal retirement, invest for abundant.
Invest in multiplex properties, houses, condos,
town-homes, businesses, luxury waterfront
properties.
Give yourself a chance to get richer?
CALL US WE ARE HERE TO ASSIST YOU! Mr.
ANTONY,
786-709-6577 {EXCELLENT REALTOR IN SOUTH
FLORIDA}
Economic Time!
Protecting Your Financial Future
1. Hold More Cash in Reserve
As always, when things get nutty in the markets cash is king. A healthy cushion in bank CDs or
money market funds will let you ride out the slump without having to sells assets at fire-sale
prices. A cushion will also put you in position to invest when the downturn's bottom is in sight
— and that could come sooner than you expect.
2. Spend Less, Find Something to Cut
Eliminating expenses is the surest route to building a cash safety net. There are many costs
you can easily hack away at in your home — dry cleaning bills, dinners out, domestic help.
Yet you may be able to save even more, and painlessly, by paying closer attention to the fees
you pay for financial services. Switch to a low-fee stock index fund. Make sure you've got
overdraft protection on your checking account and aren't needlessly ringing up fees by using
another bank's ATMs. Reassess your life insurance needs.
3. Pay Down Debt; Interest rates are killer
It may seem like an overwhelming task, so do it by focusing on one piece at a time. Start by
paying off your credit card with the smallest balance. You'll feel empowered once you've
cleaned that slate. Then move to the card with the highest interest rate, and then onto
consumer loans with variable rates. Where will you get the money? If you get a raise, or pay
off a car or student loan or become free from some other regular expense don't spend the
difference — dedicate it to debt reduction.
4. Make Sure Your Money is Safe
Money crisis: US FINANCIAL SYSTEM IN TROUBLE, BAIL-OUT PACKAGE. Americans react.
What are you doing with your money in the wake
of the financial crisis? HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT YOUR
MONEY AND HAVE PEACE OF MIND!
The federal government recently raised the amount of deposits per person per institution that
it will guarantee to $250,000 from $100,000. But it had been discussing a limitless guarantee.
So don't be confused. More important, this is a temporary bump in coverage that may last only
through the end of 2009. So if you consolidate deposits in a single institution you may have to
reverse the process in little more than a year. To keep things simple just play by the old rules
— keep no more than $100,000 in any one institution, at least until it becomes clear that the
higher limit will be made permanent. There have been no changes to government guarantees
regarding securities held in a brokerage account. The limit is $100,000 of coverage on cash
deposits and up to $500,000 on other securities like stocks and bonds. Note: the government
does not guarantee against investment losses; only that the securities you own will be returned
to you at prevailing market prices
should your broker fail.
5. INVEST IN REAL ESTATE
GO MAKE YOURSELF RICHER BY INVESTING THE RIGHT WAY IN THE RIGHT PRODUCTS.
REAL ESTATE INVESTMENTS CAN HELP!
REAL ESTATE INVESTMENT IS A BETTER WAY TO BUILD WEALTH!
When it comes to reliable investments, real estate investing is the best wealth-builder in the
world.
Home-buying; that’s why we are ready to share the proven techniques for investing in this
powerful asset.
We will show you the same step-by-step strategies the masters in real estate use to make their
millions. With us you will be well on your on your way to
making your own riches. CONTACT Mr. ANTONY AT: 786-709-6577 --- Fortune International
Realty
Real Estate is a road-map to riches, it’s one of the way to build wealth. The ultra rich always
invest in real estate. There is no better investment
than real estate despites the ups and downs, it outperformed all other investments. Real Estate
is nothing but a passport to wealth
REAL ESTATE INVESTMENTS:
Invest today for a better tomorrow, invest for an
ideal retirement, invest for abundant.
Invest in multiplex properties, houses, condos,
town-homes, businesses, luxury waterfront
properties.
Give yourself a chance to get richer?
CALL US WE ARE HERE TO ASSIST YOU! Mr.
ANTONY,
786-709-6577 {EXCELLENT REALTOR IN SOUTH
FLORIDA}
11 Great things to do with your money in financial crisis, in difficult economic
time
Trust Account: Definition of a Trust; Land Trust, Living Trust, Revocable Trust,
Land Contract. It is one of the oldest and best defined relationships known in
the law
How to protect yourself and a business against malicious law-suits?
Will & Living trust
What is a will and what is living trust? How does a living trust avoid probate?
{Investment} The Ultimate Retirement Guide for Everyone; Retire Rich, Retire
Early
How can I protect my assets? {Business 101 --- Corp., S - Corp., LLC, General
Partnership, Limited partnership, Trust Account, Will and Living-Trust}
time
Trust Account: Definition of a Trust; Land Trust, Living Trust, Revocable Trust,
Land Contract. It is one of the oldest and best defined relationships known in
the law
How to protect yourself and a business against malicious law-suits?
Will & Living trust
What is a will and what is living trust? How does a living trust avoid probate?
{Investment} The Ultimate Retirement Guide for Everyone; Retire Rich, Retire
Early
How can I protect my assets? {Business 101 --- Corp., S - Corp., LLC, General
Partnership, Limited partnership, Trust Account, Will and Living-Trust}
Financial News
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Financial News, Business News, Market News. 11 Great Things to Do With Your
Money in Financial Crisis, in Difficult Economic Time! SEE BELOW
Money in Financial Crisis, in Difficult Economic Time! SEE BELOW
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PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
Long-term care insurance?
Is a long-term care insurance policy really provides money to help cover the costs of living if you
are no longer able to take care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?
What is the importance and benefits of life insurance in real life, and at retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
What is Annuity Insurance Investment, Annuity & Pension Insurance? Are Annuities Planning today
for a secure tomorrow?
THE BEST RETIREMENT GUIDE EVER; WHAT ARE 401K, ROTH 401K, INDIVIDUAL 401K, 403B, 457
PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
Long-term care insurance?
Is a long-term care insurance policy really provides money to help cover the costs of living if you
are no longer able to take care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?
What is the importance and benefits of life insurance in real life, and at retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
What is Annuity Insurance Investment, Annuity & Pension Insurance? Are Annuities Planning today
for a secure tomorrow?
How to write your own Will and Testament? The Five Most
Important Wishes of a Living Will
What is Estate Planning? How to do an Estate Planning? 10
Things Estate Planning CAN DO FOR YOU!
Important Wishes of a Living Will
What is Estate Planning? How to do an Estate Planning? 10
Things Estate Planning CAN DO FOR YOU!
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Banking and Finance; Top online banking service and solution for everyone
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American Banking System and History
Personal Finance, Us Financial System
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US Economy, Pension Plans retire early, retire rich
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FOR SALE BY OWNER { FSBO} FREE ONLINE
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YOU! CLICK HERE
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Obama looks to Lincoln for inspiration
President-elect Barack Obama makes no secret of his admiration for the 16th
president of the United States. Abraham Lincoln's Gettysburg Address is the
inspiration for Obama's inaugural theme, organizers say. Today's
whistlestop-like train trip follows that taken by Lincoln. And Obama will use the
Lincoln Bible for his inauguration.
Bank bailout: Get ready for next phase
Economy is getting worse and banks' books are still weighed
down with junk. Washington is looking at new solutions that
sound familiar
Economy is getting worse and banks' books are still weighed
down with junk. Washington is looking at new solutions that
sound familiar
FDIC encourages banks to lend more
Government broadens Temporary Liquidity Guarantee Program to
guarantee secured bank debt until 2019, hoping to encourage new
lending.
Federal banking regulators are considering a plan to dramatically expand a
lesser-known bailout program that provides government guarantees to
hundreds of billions of dollars of corporate debt.
The Federal Deposit Insurance Corp. will likely change its so-called
Temporary Liquidity Guarantee Program later this month, by extending the
maximum maturity of its payment guarantee on new "covered" bonds issued
by banks to 10 years from three years.
Covered bonds are issued by banks, backed by collateral, like a mortgage or
a consumer loan, that exists on the bank's balance sheet. It is different than
an asset-backed security, which does not require banks to actually own the
asset they use to back the debt issuance. The bonds are popular in Europe,
but have only been offered on a limited basis in the United States.
Under the new extension, the program would cover secured debt issued from
January 2009 until June 30, 2010.
Government broadens Temporary Liquidity Guarantee Program to
guarantee secured bank debt until 2019, hoping to encourage new
lending.
Federal banking regulators are considering a plan to dramatically expand a
lesser-known bailout program that provides government guarantees to
hundreds of billions of dollars of corporate debt.
The Federal Deposit Insurance Corp. will likely change its so-called
Temporary Liquidity Guarantee Program later this month, by extending the
maximum maturity of its payment guarantee on new "covered" bonds issued
by banks to 10 years from three years.
Covered bonds are issued by banks, backed by collateral, like a mortgage or
a consumer loan, that exists on the bank's balance sheet. It is different than
an asset-backed security, which does not require banks to actually own the
asset they use to back the debt issuance. The bonds are popular in Europe,
but have only been offered on a limited basis in the United States.
Under the new extension, the program would cover secured debt issued from
January 2009 until June 30, 2010.
| IF YOU NEED HELP TO SELL A REAL ESTATE PROPERTY IN THE SOUTH FLORIDA AREA; PLEASE CALL Mr. ANTONY A PROFESSIONAL REALTOR AT: 786-709-6577 --- Fortune International Realty |
REAL ESTATE FOR SALE: Low Prices, Below Market Value, Low Interest
rates.
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& our email to further assist you.!
rates.
Search for properties in any city; Right Here, Right Now. Fast, Easy and
Simple. CLICK HERE!
Motivated Sellers; Selling at Unbelievable Prices. Learn More...
Live Your Dream
Search it, Find it, Learn about it, Negotiate it, Buy it.
-------------------------------------------------------------------------------------------------
Coral Gables, Coconut Grove Real Estate For Sale. Magnificent properties!
Search Now...
Pembroke Pines Florida Real Estate:
Find a property in Pembroke Pines area
Miramar Florida Real Estate:
Search for a home in the city of Miramar
Miami Lakes Florida Real Estate:
Look for luxury, prestigious properties in the town of Miami Lakes
Aventura Florida, Williams Island Condos For Sale at Reduced Price.
Search for luxury waterfront properties with considerable price reduction
Hallandale Beach Florida Real Estate For Sale.
Find for sale properties in the city of Hallandale; Houses, Town-Homes,
Condos, Waterfront Properties.
LIVE YOUR DREAM
Search it, Find it, Learn about it, Buy it. Obtain and retain our contact number
& our email to further assist you.!
------------------------------------------------------------------------------------------------------- Securing the American Dream for Homeowners TO REFINANCE YOUR EXISTING PROPERTY, OR TO FINANCE A NEW REAL ESTATE PURCHASE: CALL Mr. ANTONY AT: 786-709-6577 WE'RE LICENSED MORTGAGE BROKER, AND LICENSED REALTOR ----------------------------------SOUTH FLORIDA, CALL AT: 786-709-6577 |
HOME BUYING PROCESS EASY AND SIMPLE!
FOR YOUR REAL ESTATE FINANCING, MORTGAGE LOAN PRE-QUALIFICATION,
HOME REFINANCING, HOME EQUITY, MORTGAGE LOAN MODIFICATION, REAL
ESTATE INVESTMENTS. ----
CONTACT A LICENSED REALTOR & LICENSED MORTGAGE BROKER
AT: 786-709-6577
FHA LOAN PROGRAMS:
LET FHA LOANS HELP YOU! FHA loans have been helping people become homeowners
since 1934. How do we do it? LEARN MORE...
HOME-OWNERS IN FORECLOSURE:
FORECLOSURE SOLUTION! STOP IT NOW. SAVE YOUR EQUITY, SAVE YOUR CREDIT,
AND PUT MONEY BACK IN
YOUR POCKET.
COMMERCIAL MORTGAGES FOR INVESTORS:
Commercial Mortgages helps you secure
funding to purchase commercial property
CONTACT Mr. ANTONY AT: 786-709-6577 --- WE'RE COMPETENT, WE'RE LOYAL, &
WE'VE ALL THE EXPERIENCE NECESSARY IN REAL ESTATE, FINANCE & MORTGAGE
TO HELP YOU!
FOR YOUR REAL ESTATE FINANCING, MORTGAGE LOAN PRE-QUALIFICATION,
HOME REFINANCING, HOME EQUITY, MORTGAGE LOAN MODIFICATION, REAL
ESTATE INVESTMENTS. ----
CONTACT A LICENSED REALTOR & LICENSED MORTGAGE BROKER
AT: 786-709-6577
FHA LOAN PROGRAMS:
LET FHA LOANS HELP YOU! FHA loans have been helping people become homeowners
since 1934. How do we do it? LEARN MORE...
HOME-OWNERS IN FORECLOSURE:
FORECLOSURE SOLUTION! STOP IT NOW. SAVE YOUR EQUITY, SAVE YOUR CREDIT,
AND PUT MONEY BACK IN
YOUR POCKET.
COMMERCIAL MORTGAGES FOR INVESTORS:
Commercial Mortgages helps you secure
funding to purchase commercial property
CONTACT Mr. ANTONY AT: 786-709-6577 --- WE'RE COMPETENT, WE'RE LOYAL, &
WE'VE ALL THE EXPERIENCE NECESSARY IN REAL ESTATE, FINANCE & MORTGAGE
TO HELP YOU!
What is EESA?
The Emergency Economic Stabilization Act of 2008 (EESA) was signed into law on
October 3, 2008, during a time of tremendous financial upheaval and economic
uncertainty.
The Troubled Assets Relief Program (TARP) was established under the EESA with
the specific goal of stabilizing the United States financial system and preventing a
systemic collapse. Treasury has established several programs under the TARP to
stabilize the financial system and has now created the Financial Stability Program to
further stabilize the financial system, restore the flow of credit to consumers and
businesses and tackle the foreclosure crisis to keep millions of Americans in their
homes.
The Emergency Economic Stabilization Act of 2008 (EESA) was signed into law on
October 3, 2008, during a time of tremendous financial upheaval and economic
uncertainty.
The Troubled Assets Relief Program (TARP) was established under the EESA with
the specific goal of stabilizing the United States financial system and preventing a
systemic collapse. Treasury has established several programs under the TARP to
stabilize the financial system and has now created the Financial Stability Program to
further stabilize the financial system, restore the flow of credit to consumers and
businesses and tackle the foreclosure crisis to keep millions of Americans in their
homes.
The Capital Purchase Program (CPP) is a voluntary program in which
the U.S.
Government, through the Department of Treasury, invests in preferred
equity securities issued by qualified financial institutions. Participation is
reserved for viable institutions that are recommended by their federal
banking regulator. Treasury’s intent is to provide immediate capital to
stabilize the financial and banking system, and to support the economy. It
is vital that lending be available to families and businesses that need
access to credit, to pay for college or to invest and create jobs. A
necessary precursor to lending and economic recovery is a stable, healthy
financial system
the U.S.
Government, through the Department of Treasury, invests in preferred
equity securities issued by qualified financial institutions. Participation is
reserved for viable institutions that are recommended by their federal
banking regulator. Treasury’s intent is to provide immediate capital to
stabilize the financial and banking system, and to support the economy. It
is vital that lending be available to families and businesses that need
access to credit, to pay for college or to invest and create jobs. A
necessary precursor to lending and economic recovery is a stable, healthy
financial system
Automotive Industry Financing Program
The objective of this program is to prevent a significant disruption of the American
automotive industry that poses a systemic risk to financial market stability and
will have a negative effect on the economy of the United States. The program will
require steps be taken by participating firms to implement plans that achieve
long-term viability
The objective of this program is to prevent a significant disruption of the American
automotive industry that poses a systemic risk to financial market stability and
will have a negative effect on the economy of the United States. The program will
require steps be taken by participating firms to implement plans that achieve
long-term viability
ATTENTION,
ATTENTION!
IMPORTANT INFORMATION
ABOUT THE UNITED STATES FIVE
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Wells Fargo Financial Services
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Financial Services
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Citigroup
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Services
How & where to find money to
invest in real estate? & How to
make the Bank say, "Yes You're
Approved"
Learn here the most effective ways
to get the best loan rates, and the
best terms
ATTENTION!
IMPORTANT INFORMATION
ABOUT THE UNITED STATES FIVE
[5] BIGGEST FINANCIAL
INSTITUTIONS...
Bank of America Financial Services
Wells Fargo Financial Services
PNC-National City Mortgage
Financial Services
Citibank,Citifinancial, Citimortgage,
Citigroup
JPMorgan-Chase Financial
Services
How & where to find money to
invest in real estate? & How to
make the Bank say, "Yes You're
Approved"
Learn here the most effective ways
to get the best loan rates, and the
best terms
Custom Search
SEARCH FOR ANYTHING RIGHT HERE!
FIRST TIME HOME-BUYER'S GENERAL
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HOMEBUYING & HOW TO GET THE
$8,000.00 GOVERNMENT TAX CREDIT
TO PAY FOR CLOSING COSTS &, OR
DOWN-PAYMENT?
FIRST TIME HOME-BUYERS AND
EVERYBODY: THE 12 MOST
IMPORTANT STEPS TO TAKE TO WIN
THE REAL ESTATE BATTLE. METHODS,
TECHNIQUES & STRATEGIES TO USE...
INFORMATION FOR A SUCCESSFUL
HOMEBUYING & HOW TO GET THE
$8,000.00 GOVERNMENT TAX CREDIT
TO PAY FOR CLOSING COSTS &, OR
DOWN-PAYMENT?
FIRST TIME HOME-BUYERS AND
EVERYBODY: THE 12 MOST
IMPORTANT STEPS TO TAKE TO WIN
THE REAL ESTATE BATTLE. METHODS,
TECHNIQUES & STRATEGIES TO USE...
FIRST TIME HOME-BUYER'S GENERAL INFORMATION FOR A SUCCESSFUL
HOMEBUYING & HOW TO GET THE $8,000.00 GOVERNMENT TAX CREDIT TO PAY FOR
CLOSING COSTS &, OR DOWN-PAYMENT?
FIRST TIME HOME-BUYERS AND EVERYBODY: THE 12 MOST IMPORTANT STEPS TO
TAKE TO WIN THE REAL ESTATE BATTLE. METHODS, TECHNIQUES & STRATEGIES TO
USE...
HOMEBUYING & HOW TO GET THE $8,000.00 GOVERNMENT TAX CREDIT TO PAY FOR
CLOSING COSTS &, OR DOWN-PAYMENT?
FIRST TIME HOME-BUYERS AND EVERYBODY: THE 12 MOST IMPORTANT STEPS TO
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What Is Sovereign Debt?
Is Sovereign Debt the New Subprime?
Is Sovereign Debt the New Subprime?
That’s a question many on Wall Street are asking as 2009 comes to a
close. Just as many subprime borrowers were unable to make their
mortgage payments in 2007 and 2008, investors now fear certain
nations will be unable to pay their debts in the year ahead.
Rising mortgage defaults and credit card delinquencies put many banks
on the brink of bankruptcy in 2008, sending the global economy into a
tailspin. But sovereign debt defaults are potentially even more
catastrophic as they can lead to geopolitical instability, societal unrest
and even war. And there will also be economic ramifications for
investors worldwide, putting America’s (and the globe’s) fragile
recovery at great risk.
To varying degrees, Greece, Spain, Ukraine, Austria, Latvia, Mexico are
just a handful of the nations viewed at risk of defaulting. Meanwhile,
Dubai only just avoided a similar fate thanks to a $10 billion bailout from
their oil-rich neighbor Abu Dhabi.
So, who else out there could rattle our constantly more interconnected
world? Here's a look at where the trouble spots could be:
Is Sovereign Debt the New Subprime?
Is Sovereign Debt the New Subprime?
That’s a question many on Wall Street are asking as 2009 comes to a
close. Just as many subprime borrowers were unable to make their
mortgage payments in 2007 and 2008, investors now fear certain
nations will be unable to pay their debts in the year ahead.
Rising mortgage defaults and credit card delinquencies put many banks
on the brink of bankruptcy in 2008, sending the global economy into a
tailspin. But sovereign debt defaults are potentially even more
catastrophic as they can lead to geopolitical instability, societal unrest
and even war. And there will also be economic ramifications for
investors worldwide, putting America’s (and the globe’s) fragile
recovery at great risk.
To varying degrees, Greece, Spain, Ukraine, Austria, Latvia, Mexico are
just a handful of the nations viewed at risk of defaulting. Meanwhile,
Dubai only just avoided a similar fate thanks to a $10 billion bailout from
their oil-rich neighbor Abu Dhabi.
So, who else out there could rattle our constantly more interconnected
world? Here's a look at where the trouble spots could be:
What Is Sovereign Debt?
Now that we’ve (hopefully) got your attention, here are some
definitions for those unfamiliar with the subject:
“Sovereign debt” refers to the debt of nations. Just as the U.S. issues
Treasuries backed by the “full faith and credit” of the government,
other nations sell bonds in order to raise money to pay for programs
ranging from armies to public healthcare.
A “default” refers to a nation’s inability (or refusal) to repay its debt.
Whether a homeowner sends “jingle mail” (home keys via post)
because a lost job makes mortgage payments impossible or because
a drop in home values makes paying the mortgage uneconomical, the
effect on the bank is the same: they lent money and now they’re not
getting it back.
The same goes for investors who’ve purchased sovereign debts. This
is critical because nations’ debt is often viewed as safer than
corporate debt since countries have the ability to raise taxes and
increase tariffs in order to raise money to pay their debts.
But “safer” is not the same as “safe” and certainly not guaranteed.
There are risks in owning nations’ or sovereign debt, as with any
stock. Defaults by Argentina in 2002 and Russia in 1998 are just
recent examples in the long history of sovereign debt defaults going
back to the Spanish empire in the 1600s.
High Debt-to-GNP Ratio
Since 1970, nearly half of sovereign defaults have occurred in nations
debt-to-GNP (gross national product) ratios of 60% or more. This
makes sense: As a country’s debts start to approach the size of its
total economy (or GNP), it gets harder to make the payments, just like
a individual whose debts start to eat up all (or most) of their salary.
Countries like the U.S. and U.K. have triple-A ratings, meaning they are
considered the strongest in terms of the ability to repay their debt.
(The ratings from top to bottom are based on the alphabet, AAA being
the best to CCC meaning the financial world doubts your ability to pay
the money back.)
However, some experts worry about those pristine ratings being in
jeopardy as Anglo-Saxon nations continue to accumulate massive
amounts of debt to pay for spending, and to take on the recession.
Now that we’ve (hopefully) got your attention, here are some
definitions for those unfamiliar with the subject:
“Sovereign debt” refers to the debt of nations. Just as the U.S. issues
Treasuries backed by the “full faith and credit” of the government,
other nations sell bonds in order to raise money to pay for programs
ranging from armies to public healthcare.
A “default” refers to a nation’s inability (or refusal) to repay its debt.
Whether a homeowner sends “jingle mail” (home keys via post)
because a lost job makes mortgage payments impossible or because
a drop in home values makes paying the mortgage uneconomical, the
effect on the bank is the same: they lent money and now they’re not
getting it back.
The same goes for investors who’ve purchased sovereign debts. This
is critical because nations’ debt is often viewed as safer than
corporate debt since countries have the ability to raise taxes and
increase tariffs in order to raise money to pay their debts.
But “safer” is not the same as “safe” and certainly not guaranteed.
There are risks in owning nations’ or sovereign debt, as with any
stock. Defaults by Argentina in 2002 and Russia in 1998 are just
recent examples in the long history of sovereign debt defaults going
back to the Spanish empire in the 1600s.
High Debt-to-GNP Ratio
Since 1970, nearly half of sovereign defaults have occurred in nations
debt-to-GNP (gross national product) ratios of 60% or more. This
makes sense: As a country’s debts start to approach the size of its
total economy (or GNP), it gets harder to make the payments, just like
a individual whose debts start to eat up all (or most) of their salary.
Countries like the U.S. and U.K. have triple-A ratings, meaning they are
considered the strongest in terms of the ability to repay their debt.
(The ratings from top to bottom are based on the alphabet, AAA being
the best to CCC meaning the financial world doubts your ability to pay
the money back.)
However, some experts worry about those pristine ratings being in
jeopardy as Anglo-Saxon nations continue to accumulate massive
amounts of debt to pay for spending, and to take on the recession.
Sub-prime? Sub-prime is nothing compared to US default. Deficit
spending is for countries that have earning power! Like China.
US has been living beyond it's means for decades. How much more do
you think it will last? If US economy was a private business, we would
have closed it down long time ago.
We are borrowing money to pay the salaries of employees who are not
creating enough value to pay back the debt we are accumulating! US is
like a bankrupt company.
The public and private debt is too high. GDP increasing does not mean
that recession is over. We have borrowed trillions and printed a trillion
and then we say "hey look, GDP is up!". LOL Are you kidding me?
What about GDP-Debt?? GDP is up, but how about tax receipts? How
much will they go up so that we may pay off debt? This is the biggest
bubble in history. Soon US will not be able to borrow at these low rates.
When the treasury rates go up, FED will follow. It is going to kill any
recovery we may have.
Tax is going to go up just to pay the interest on the loans! Say goodbye
to housing. With higher rates, big ticket items will have the mother of
all deflationary crashes!
spending is for countries that have earning power! Like China.
US has been living beyond it's means for decades. How much more do
you think it will last? If US economy was a private business, we would
have closed it down long time ago.
We are borrowing money to pay the salaries of employees who are not
creating enough value to pay back the debt we are accumulating! US is
like a bankrupt company.
The public and private debt is too high. GDP increasing does not mean
that recession is over. We have borrowed trillions and printed a trillion
and then we say "hey look, GDP is up!". LOL Are you kidding me?
What about GDP-Debt?? GDP is up, but how about tax receipts? How
much will they go up so that we may pay off debt? This is the biggest
bubble in history. Soon US will not be able to borrow at these low rates.
When the treasury rates go up, FED will follow. It is going to kill any
recovery we may have.
Tax is going to go up just to pay the interest on the loans! Say goodbye
to housing. With higher rates, big ticket items will have the mother of
all deflationary crashes!
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