Stock Capitalist

Over the past decade banks made it easy than ever before for people to get access to loans and credit. This has unfortunately meant that more and more people have succumbed to ever increasing debt. Individual voluntary arrangements (IVAs) were set up in the 1980s as a way for people and businesses to work their [...]

If you are struggling to manage your debts then you have no doubt already looked online for free information and advice on how to deal with the problem. Doing so is not a bad idea, as there is a lot of free debt-related information and advice online that can get you going in the right [...]

Getting into doubt it tough for anyone but for a young person to get into debt it is a bad thing indeed, there are times in which you can actually prevent this from happening at all. Young people find it hard not to get into debt at times and here are some of the ways [...]

An IVA (which is short for Individual Voluntary Arrangement) is a legally binding arrangement that changes the terms of repayment between you and your creditors. It is typically used when you have little or no chance of repaying the full amount to each creditor, and the creditors recognize this and are anxious to recover at [...]

Commerce and technologies, combined like a one particular package that is what on the web credit ratings cards are. Using the advent of net, the information and communication barriers have been broken. Also, with net, came the concept of e-shops or virtual stores that existed only about the net.

We will touch on a lot of bases in this holiday issue of my weekly E-Letter. We start by looking at the latest economic data, and how hard it is to get a new job if you become unemployed. We also examine President Obama’s new “jobs program” that would spend what’s left of last year’s [...]

What 2009, will probably see both EU and US economies enter into recession. So far, the EU has been slow to cut interest rates; it has given greater prominence to the spike in inflation rather than the slowing economy. However, the economic slowdown has been greater than many anticipated in the Eurozone. With oil prices and hence inflation falling, you would expect the ECB to finally relent and allow a significant cut in interest rates. As EU interest rates are cut, there will be less demand for Euros and the exchange rate is likely to fall. The EU is also struggling because of the current high value of the Euro. Using measures of purchasing power, the Euro is overvalued making it difficult for EU exporters. It is hard to see a further appreciation in the Euro because it is already to overvalued. On the US side, interest rates are already low (1%) therefore, it is hard to see interest rates falling much more (US already has negative real interest rates). On the other hand, the US has so far avoided technical recession but, the ongoing credit crunch means that a deep recession is more likely. Will Euro replace US dollar as global reserve currency? Because of the weakness in US economy, national debt, current account deficit, people feel the US economy is standing on the precipice and could collapse. However, many of the problems in the US economy are also replicated in the Eurozone. The EU is not immune from the credit crisis as many banks struggle to survive. Housing markets are even more overvalued in Europe and National debt is higher in many EU countries than US.

Never fear, however, cyclo-cross, it turns out, makes a fitting metaphor for todayís stock market . The following video will help illustrate:. Cyclo-cross: An Hour in Hell.

Productive investments will face higher costs of capital, and this will crimp the stock market and economic growth. It’s not a pretty picture.

The financial memory only lasts about 30 years then analysts, bankers and regulators fall victim to greed and fear.

The financial memory only lasts about 30 years then analysts, bankers and regulators fall victim to greed and fear.

The financial memory only lasts about 30 years then analysts, bankers and regulators fall victim to greed and fear. No matter how much they fiddle with interest rates, Bob Marley said it best: “One day the bottom will drop out…”

To most Americans, the Federal Reserve is just another name on their dollar bill.