Nov 11 2008

Economic Dependence on Real Estate, Finance, Insurance, Retail, and Construction. 3 Major Sectors of our Economy set to Decline.

The employment situation has quickly deteriorated as the credit crisis deepens and more and more Americans are quickly holding on tighter to their wallets.  This isn’t necessarily pervasive to our nation alone as we are seeing globally people from many nations are starting to feel the impacts of this economic contraction.

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Nov 9 2008

Bear Market Rallies: Beware the Siren Call of Volatile Economic Markets.

It is understandable after the record fall of the Dow Jones Industrial Average from a peak of slightly over 14,000 in August of 2007 to a low reached last month of slightly over 8,000 that many are eager to search for a bottom.  It is a tempting path to follow especially when the market is down 36% from those highs.  There needs to be a cautious attitude about jumping into a market when future news is almost certain to be challenging for the economy.  The October jobs report now puts us at an unemployment rate not seen in over a decade and for 2008, we have lost over 1 million jobs.

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Nov 7 2008

The October 2008 Job Report: Digging Deeper into the Data. True Unemployment Rate at 11.8%.

Trying to explain the unemployment rate is a challenge since there are many nuances to look out for.  For example, today the unemployment rate came out at 6.5%, the highest since March of 1994.  That would be troubling in itself.  What was also released in the report is a horrible number of 240,000 jobs being lost in October.  Probably more surprising is the September employment number was revised to show a 284,000 job loss.  What does this amount to?  1.179 million jobs have been lost since the start of 2008.  It has been a very challenging year on the jobs front.

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Nov 4 2008

The Miseducation of the California Housing Market: 3 Reasons Why California Housing Still Has 3 Years Before Hitting a Bottom.

California housing has been an enigma for most in terms of pricing.  How in the world did the median price for a California home reach $597,640 at the peak of the housing bubble?  That is a question that historians, economist, and writers will need to answer once the ashes are left.  But we are still in the burning flame.

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