Dec 31 2008

Housing Bubble Genesis: 5 Reasons that Didn’t Cause the Housing Bubble and 5 Reasons that did.

There is a danger in having power.  Credit at least many decades ago was seen almost as an extension of the morality of the borrower.  That is, the way credit was given many times reflected the capacity, collateral, and character of the borrower.  Main Street is already feeling this recession like the worst since World War II and […]

Dec 23 2008

U.S. Treasury Summary of Receipts and Outlays for the U.S. Government: If Your Budget Looked Like this, You would be out on the Street.

It comes as no surprise that the U.S. government spends more than it takes in.  We all know this.  But what are the funding sources for the U.S. government?  Meaning, who cuts their monthly pay?  It is easy to get caught up in the talk of large numbers but you have to think of the […]

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Dec 22 2008

Dow Jones Industrial Average on Pace for top 3 Worst Performing Year since 1896: Understanding one of the Most Followed Industrial Averages.

The Dow Jones Industrial Average (DJIA) is closely followed by those here at home but also those around the world.  It is the oldest continuing U.S. market index.  The DJIA is the best-known market indicator simply because it has one of the longest histories and many have grown accustomed to following the index.  Since the […]

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Dec 20 2008

The Most Comprehensive California Housing Market Analysis: Looking at 11.5 Million Households and 32 Counties. Investing in California Housing is a Complicated Calculus.

The California housing market has had its worst year on record.  2008 will go down as one of the most difficult and volatile economic years in history.  With that said, there is still a lingering notion or profound desire for bargain hunting.  Many articles now try to call a bottom in the stock markets by […]

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Dec 18 2008

How Does Oil Impact the Economy? 3 Major Areas of Economic Consequence: The Impact on Inflation, Consumer Spending, and Auto Sales.

2008 will go down as the year with the highest market volatility.  Crisis after crisis seemed to hit us like a continuous barrage of waves from the ocean of economic news.  The housing market continued to collapse resembling a housing market so weak, we have to go back to the Great Depression to find a […]

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