Eroding factor or inflation...
Inflation can hit anyone with most people unaware of how it impacts their lives. Many people's salaries are not keeping up with inflation but prices do. Cost of living means many things. Prices go up costing consumers more money, but if they don't have the increases in income to offset these increases then they are losing ground.
How much people are losing is not calculated because financial planners don't have the tools to allow them to do it. Inflation as an eroding factor is silent but deadly. With inflation going up all the time and income levels not keeping pace, it is impossible to maintain a lifestyle that provides a level of comfort.
Understanding what is needed to maintain or get ahead of inflation has to be shown in order for any consumer to be knowledgeable of the impacts of inflation. Traditional planning only addresses inflation as increase in pricing or increases in income, but does not have the ability to show, in a simulation fashion, what is needed in a combined effort to enhance anyones standard of living. Lifestyle is what everyone works for, but without knowing what is needed in a tandem fashion, no one will know how devastating inflation can be.
you probably are feeling the effects of inflation throughout your life, but are spending your time working to keep everything in tack. If you knew what you had to do before hand to keep ahead of the eroding factors would that make your life easier? If you had your life ordered so that inflation increased your wealth, as it increased, would you live a better life? If you were in a position to see it before it happens would that be beneficial to you?
If you want to learn more about our "Economic Simulation" process sign up for our MoneyTeleSeminars.com and register for the free teleseminar. Yes it's free. We decided to drop the cost since our goal is to reach 1,000,000 people with our message, we decided to make it free. Also if you go to FinancialFreedomRadio.info you can listen to past podcast about eroding factors.
Money Talks seminars are now free. You have the ability to make plans to attend the September session, by viewing the site and opting in. We look forward to seeing you there!
Thanks for reading,
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Additional Money Talks Resources
Wednesday, August 19, 2009
Sunday, August 16, 2009
Money Talks-Time
What Does Money Talks Have to Do with Time?
What does the program Money Talks, have to do with time, you might ask? Well, it only takes a couple of seconds to optin for information that can save you money, help you to recover lost wealth, and even become more financially stable for the long term. In less time that it takes to make a post on Face Book about you having your cat groomed today, you could have actually made an important step towards recovering lost wealth. How many people submit to Face Book every day? How many people actually took the time to tell all their buddies about their latest and greatest game that they are playing, or how their garden is growing today?
I would venture to say that many people are simply wasting their time, content with their own frittering away of quality time, when they could actually be expanding their minds into a new area that would actually serve to be of value in their financial life. But instead, they are logging into to Face Book just to chat, and idly watch the world go by, thinking that there is really nothing they can do to make a difference, and how they are stuck in a constant rut of have not and do nothing.
People like Ray Jewell do make a difference in our lives. Here is a man who is willing to share knowledge, insight, perspectives and tips that we all can learn and grow from. He is that type of person that is not willing to be complacent in accepting what the government, and the financial institutions are delving out to everyone. He is willing to stand and say that he will show you a way out of your financial maze and mystery, and will empower you to grow from that, and actually begin to win in this life, instead of just accepting mediocrity.
Honestly, I cannot see a reason in this world why you, YES YOU, would not take the first step, and view this site, and come away with information that you can actually use for a change in surfing the world wide web of information.
Time is a gift people. If you are not aware of this, then its time that someone like stood up and said that to you. You will simply be wasting your time, until one day, there will simply be no more time for you!
Make a stand today, and do something positive for yourself and your family. I can assure you of this, you will gain far more benefits from this than being complacent in chatting with your friends about your cat getting groomed today! Spend some quality time today, and listen to a few Financial Freedom Radio broadcasts located here: http://financialfreedomradio.info It will definitely be worth your time, and you can even do it while playing your games on Face Book!
Remember signing up for Money Talks is FREE! It simply does not get any better than that folks.
http://www.moneyteleseminars.com
_________________
The Wildcat SEO Master Butch Hamilton
1-806-874-3314
SEO Services
Domains
What does the program Money Talks, have to do with time, you might ask? Well, it only takes a couple of seconds to optin for information that can save you money, help you to recover lost wealth, and even become more financially stable for the long term. In less time that it takes to make a post on Face Book about you having your cat groomed today, you could have actually made an important step towards recovering lost wealth. How many people submit to Face Book every day? How many people actually took the time to tell all their buddies about their latest and greatest game that they are playing, or how their garden is growing today?
I would venture to say that many people are simply wasting their time, content with their own frittering away of quality time, when they could actually be expanding their minds into a new area that would actually serve to be of value in their financial life. But instead, they are logging into to Face Book just to chat, and idly watch the world go by, thinking that there is really nothing they can do to make a difference, and how they are stuck in a constant rut of have not and do nothing.
People like Ray Jewell do make a difference in our lives. Here is a man who is willing to share knowledge, insight, perspectives and tips that we all can learn and grow from. He is that type of person that is not willing to be complacent in accepting what the government, and the financial institutions are delving out to everyone. He is willing to stand and say that he will show you a way out of your financial maze and mystery, and will empower you to grow from that, and actually begin to win in this life, instead of just accepting mediocrity.
Honestly, I cannot see a reason in this world why you, YES YOU, would not take the first step, and view this site, and come away with information that you can actually use for a change in surfing the world wide web of information.
Time is a gift people. If you are not aware of this, then its time that someone like stood up and said that to you. You will simply be wasting your time, until one day, there will simply be no more time for you!
Make a stand today, and do something positive for yourself and your family. I can assure you of this, you will gain far more benefits from this than being complacent in chatting with your friends about your cat getting groomed today! Spend some quality time today, and listen to a few Financial Freedom Radio broadcasts located here: http://financialfreedomradio.info It will definitely be worth your time, and you can even do it while playing your games on Face Book!
Remember signing up for Money Talks is FREE! It simply does not get any better than that folks.
http://www.moneyteleseminars.com
_________________
The Wildcat SEO Master Butch Hamilton
1-806-874-3314
SEO Services
Domains
Money Talks-The New Economy
The New Economy?
If you were asked do you think that following the old ways of investing and saving will continue to be fruitful, what would you say? Do you think the old ways will continue to work? If you said yes you are sadly mistaken!
We just saw enormous financial institutions suck up consumer's money and then go to the Federal Governments for a hand out and suck up those dollars that were lent to them. What is wrong with this picture? What is wrong is that for years the financial institutions were spending huge sums of money to convince the public that they were the good guys when in fact they were operating from a hidden agenda. [To learn about the hidden agenda go to www.MoneyTeleSeminars.com and sign up for the free course 4Laws of Financial Institutions.]
The public refused to believe that these financial institutions were wrong because they were so big. The public felt that the financial planners were able to achieve the promises they had made, and that the only way to true wealth was through financial markets.
For years others and I have been telling people to look out, l that someday there will be a reckoning that will take place and the consumer will be left holding the bag. Sure enough it happened and a small group of people saw it coming. The perfect financial storm was brewing and was noticed in the early 2000's but the financial institutions and financial planners still kept telling people to put their hard earned money in the financial markets. How many times do people have to lose money before they learn that it doesn't have to be this way?
Well now what do you do? You understand that today there is not a new economy but a different mindset. No longer can you expect the financial institutions or financial planners to deliver what they tell you. They have lost all creditability. Today you must demand that your finances are shown through a macro economic grid. You must look at your economic world in a simulator and be able to see the mistakes before you make them. No longer will you have the luxury of pleading ignorance. You must take control of your financial world and learn how to build wealth yourself or you will lose.
It is possible to construct a model of your economic world and see your financial future before it happens thus uncovering the financial mistakes before they occur. No longer do you have to live the problems, you can fix them before they happen. With this ability there is no excuse for financial failure unless you simply don't take advantage of the process.
Our mission is to reach 10,000 people in 2009 and give them the opportunity to take advantage of this process. We know that only a small amount of people will actually take advantage of this program but we feel that we have to offer. If you have read this article and gotten to this point then there is no excuse for losing financially in the future ever again. All you have to do register for our Wealth Recovery Tele Seminar at www.MoneyTeleSeminars.com and after the seminar we will gladly set you up with a free ½ hour consultation where you can personally learn how this macro economic simulation process will work for you. We look forward to seeing you there. After the seminar you will be given the opportunity to sign up for the free consultation but spaces are limited and only for serious people who want to win financially so don't delay.
Thanks for reading,
Dr. Raymond Jewell, Economic Advisor
www.FinancialFreedomRadio.info
If you were asked do you think that following the old ways of investing and saving will continue to be fruitful, what would you say? Do you think the old ways will continue to work? If you said yes you are sadly mistaken!
We just saw enormous financial institutions suck up consumer's money and then go to the Federal Governments for a hand out and suck up those dollars that were lent to them. What is wrong with this picture? What is wrong is that for years the financial institutions were spending huge sums of money to convince the public that they were the good guys when in fact they were operating from a hidden agenda. [To learn about the hidden agenda go to www.MoneyTeleSeminars.com and sign up for the free course 4Laws of Financial Institutions.]
The public refused to believe that these financial institutions were wrong because they were so big. The public felt that the financial planners were able to achieve the promises they had made, and that the only way to true wealth was through financial markets.
For years others and I have been telling people to look out, l that someday there will be a reckoning that will take place and the consumer will be left holding the bag. Sure enough it happened and a small group of people saw it coming. The perfect financial storm was brewing and was noticed in the early 2000's but the financial institutions and financial planners still kept telling people to put their hard earned money in the financial markets. How many times do people have to lose money before they learn that it doesn't have to be this way?
Well now what do you do? You understand that today there is not a new economy but a different mindset. No longer can you expect the financial institutions or financial planners to deliver what they tell you. They have lost all creditability. Today you must demand that your finances are shown through a macro economic grid. You must look at your economic world in a simulator and be able to see the mistakes before you make them. No longer will you have the luxury of pleading ignorance. You must take control of your financial world and learn how to build wealth yourself or you will lose.
It is possible to construct a model of your economic world and see your financial future before it happens thus uncovering the financial mistakes before they occur. No longer do you have to live the problems, you can fix them before they happen. With this ability there is no excuse for financial failure unless you simply don't take advantage of the process.
Our mission is to reach 10,000 people in 2009 and give them the opportunity to take advantage of this process. We know that only a small amount of people will actually take advantage of this program but we feel that we have to offer. If you have read this article and gotten to this point then there is no excuse for losing financially in the future ever again. All you have to do register for our Wealth Recovery Tele Seminar at www.MoneyTeleSeminars.com and after the seminar we will gladly set you up with a free ½ hour consultation where you can personally learn how this macro economic simulation process will work for you. We look forward to seeing you there. After the seminar you will be given the opportunity to sign up for the free consultation but spaces are limited and only for serious people who want to win financially so don't delay.
Thanks for reading,
Dr. Raymond Jewell, Economic Advisor
www.FinancialFreedomRadio.info
Saturday, August 15, 2009
Money Talks|Financial Advice
Who Is Giving You Financial Advice?
So many times people get financial advice from the wrong people. Look at it this way, when you get financial advice from anyone in the financial field who is more concerned with selling financial products then you might be getting your financial planning from the wrong source. If you were building a house would you go to the lumber yard and have them design your home or would you go to an architect or engineer?
The lumber yard sells the products to build the home but you would not want them to design the house. This happens in finance, people use the vendors that represent the products to design their plans. This is why many fail financially! Without understanding the engineering concepts and strategies behind your planning you will always come up short.
You can't use financial calculators, spreadsheets, or ledgers to get a good picture of what is in store financially. No where will any of the procedures mentioned earlier show you a dynamic, intuitive view of your financial world. Always use someone who understands economic principals and has the skills to simulate your financial future before it happens. You will want to see it before you do it. Our Personal Economic Coach process will guide you through a simulation process that enables you to see your financial world and what it will look like before it occurs. Then you can fix the problems and know that you will be doing the right things in your financial future.
If you want to learn more about this call us at 1-800-727-2353 and ask for April Elias. She will schedule you for a no obligation consultation where you can learn about this program. Also go to www.MoneyTeleSeminars.com and learn about our Wealth Recovery Tele Seminars.
Thanks for reading,
Dr. Raymond Jewell, Economic Advisor
www.FinancialFreedomRadio.info
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
So many times people get financial advice from the wrong people. Look at it this way, when you get financial advice from anyone in the financial field who is more concerned with selling financial products then you might be getting your financial planning from the wrong source. If you were building a house would you go to the lumber yard and have them design your home or would you go to an architect or engineer?
The lumber yard sells the products to build the home but you would not want them to design the house. This happens in finance, people use the vendors that represent the products to design their plans. This is why many fail financially! Without understanding the engineering concepts and strategies behind your planning you will always come up short.
You can't use financial calculators, spreadsheets, or ledgers to get a good picture of what is in store financially. No where will any of the procedures mentioned earlier show you a dynamic, intuitive view of your financial world. Always use someone who understands economic principals and has the skills to simulate your financial future before it happens. You will want to see it before you do it. Our Personal Economic Coach process will guide you through a simulation process that enables you to see your financial world and what it will look like before it occurs. Then you can fix the problems and know that you will be doing the right things in your financial future.
If you want to learn more about this call us at 1-800-727-2353 and ask for April Elias. She will schedule you for a no obligation consultation where you can learn about this program. Also go to www.MoneyTeleSeminars.com and learn about our Wealth Recovery Tele Seminars.
Thanks for reading,
Dr. Raymond Jewell, Economic Advisor
www.FinancialFreedomRadio.info
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Thursday, August 13, 2009
Financial Freedom
Financial Freedom
Financial freedom would be viewed differently from each person on the planet. It would obviously include having freedom from worry and strain concerning your money and finances. It would be an element that everyone seems to be struggling and straining to achieve, but often, not ever really achieving. Some goals and dreams that we set seem to be totally out of reach and unobtainable.
Financial freedom for you, would probably be quite different from my views. I am content, peaceful and happy, no matter what my financial situation might just happen to be at the moment. I have created for myself, my perfect life. I am able to write at will, and promote on the Internet. This is an accomplishment that I have worked for over 6 1/2 years to obtain. Did my financial freedom come easily? Certainly NOT! I am always in the constant struggle to gain new clients, and keep my cash flow up. This is something that is apparently more difficult to achieve, in this age of economic turmoil that people seem to find themselves in.
Financial freedom is also about mindset and visualization. After all, we all create for ourselves, our exact future at this point in time. I am ever mindful of this whenever the seeds of pessimism and doubt seem to find a small loophole in my thinking process. I realize full well, that I what I think today, will certainly manifest itself into reality tomorrow. Therefore, I am watchful of my changing moods. With this knowledge, I am able to direct my thoughts towards I can, and I will, rather than I have not, and cannot get.
Turning to Money Talks, the program designed by Dr. Raymond Jewell. This man is on a mission to promote his MoneyTeleseminar.com program to over 1 million people over the course of the next few years. I am willing to spend my time in helping him to promote the business for one simple reason. I know Dr. Jewell personally. I know that he is a man of vision, integrity and most importantly, he is a man of impeccable honesty concerning the trials and tribulations that we all face with our money and finances. After knowing Ray for some three years now, I do honestly believe that he knows more about money, finances, financial institutions and wealth recovery, than anyone else on the planet. Having said that, would I attend his free Money Talks program? You better believe your life that I will. I know that by signing up for all the different newsletters, listening to his audios, and attending the Financial Freedom Radio show, that I will indeed, find value there. I am willing to take a proactive stand concerning my money, and I will choose Dr. Jewell, to be my guide through this journey of haze and mystery called obtaning financial freedom.
Will you make a stand with me, and join Money Talks? Will you actually take time from your busy schedule and visit the Money Talks website, and signup for all the newsletters and workbooks found there? Will you tell your friends and others about his program and tell them to tell their friends as well? I can assure you of one thing here, financial freedom may become just a little clearer, by attending these sessions. Is your financial freedom worth the effort? If so, here are the two sites to view, and read. There, you will uncover acres information and knowledge concerning your money. Personally, I can think of no reason not attend these sessions. Apathy would be the only excuse here.
http://www.moneyteleseminars.com
http://financialfreedomradio.info
_________________
The Wildcat SEO Master Butch Hamilton
1-806-874-3314
SEO Services
Domains
Financial freedom would be viewed differently from each person on the planet. It would obviously include having freedom from worry and strain concerning your money and finances. It would be an element that everyone seems to be struggling and straining to achieve, but often, not ever really achieving. Some goals and dreams that we set seem to be totally out of reach and unobtainable.
Financial freedom for you, would probably be quite different from my views. I am content, peaceful and happy, no matter what my financial situation might just happen to be at the moment. I have created for myself, my perfect life. I am able to write at will, and promote on the Internet. This is an accomplishment that I have worked for over 6 1/2 years to obtain. Did my financial freedom come easily? Certainly NOT! I am always in the constant struggle to gain new clients, and keep my cash flow up. This is something that is apparently more difficult to achieve, in this age of economic turmoil that people seem to find themselves in.
Financial freedom is also about mindset and visualization. After all, we all create for ourselves, our exact future at this point in time. I am ever mindful of this whenever the seeds of pessimism and doubt seem to find a small loophole in my thinking process. I realize full well, that I what I think today, will certainly manifest itself into reality tomorrow. Therefore, I am watchful of my changing moods. With this knowledge, I am able to direct my thoughts towards I can, and I will, rather than I have not, and cannot get.
Turning to Money Talks, the program designed by Dr. Raymond Jewell. This man is on a mission to promote his MoneyTeleseminar.com program to over 1 million people over the course of the next few years. I am willing to spend my time in helping him to promote the business for one simple reason. I know Dr. Jewell personally. I know that he is a man of vision, integrity and most importantly, he is a man of impeccable honesty concerning the trials and tribulations that we all face with our money and finances. After knowing Ray for some three years now, I do honestly believe that he knows more about money, finances, financial institutions and wealth recovery, than anyone else on the planet. Having said that, would I attend his free Money Talks program? You better believe your life that I will. I know that by signing up for all the different newsletters, listening to his audios, and attending the Financial Freedom Radio show, that I will indeed, find value there. I am willing to take a proactive stand concerning my money, and I will choose Dr. Jewell, to be my guide through this journey of haze and mystery called obtaning financial freedom.
Will you make a stand with me, and join Money Talks? Will you actually take time from your busy schedule and visit the Money Talks website, and signup for all the newsletters and workbooks found there? Will you tell your friends and others about his program and tell them to tell their friends as well? I can assure you of one thing here, financial freedom may become just a little clearer, by attending these sessions. Is your financial freedom worth the effort? If so, here are the two sites to view, and read. There, you will uncover acres information and knowledge concerning your money. Personally, I can think of no reason not attend these sessions. Apathy would be the only excuse here.
http://www.moneyteleseminars.com
http://financialfreedomradio.info
_________________
The Wildcat SEO Master Butch Hamilton
1-806-874-3314
SEO Services
Domains
Wednesday, August 12, 2009
Money Talks
Money Talks Seminar Now Offered FREE!
Dr. Raymond Jewell announces today that Money Talks, the financial program designed to assist individuals with their money, is now being offered for free. This unprecedented offer, should be taken by anyone needing sound information concerning money
FOR IMMEDIATE RELEASE
PRLog (Press Release)
Aug 12, 2009
Dr. Raymond Jewell, the esteemed Senior Business Economist, has announced today that Money Talks will be free for anyone wishing to attend. These money seminars are designed to assist people in dealing more effectively with their money, finances, becoming educated in how financial institutions in this country operate, and literally all the aspects concerning recovering lost wealth.
Once offered on a paid basis, Dr. Jewell, with his legendary mission of reaching over 1 million people with Money Talks, now sees that offering the program for free, will attract more interested parties than ever before.
Having access to information provided by Dr. Jewell is indeed a rare privilege, and he has been in the financial mentoring and business model development industry for over 30 years. His expertise has led him to become in the top 1% of his field. Simply attending the online, and phone bridge seminar series, will lead to more questions being answered by those wishing to know where their money is going, and how to stop needless outflow of funds, and recover lost wealth for long term financial gains.
Butch Hamilton, the noted Wildcat SEO Master states, "I believe that everyone can benefit from this amazing offer from Dr. Jewell. After being associated with him for over three years now, I realize his expertise and knowledge in the business economic field, is indeed impressive. Personally, I will be making my plans to attend all the sessions, and will be taking notes that will help me to achieve my goals of financial independence."
To attend the Money Talks series, it will be necessary to pre-register on the following site: http://www.moneyteleseminars.com The signup process is fast and simple, and one is also encouraged to view the remainder of the site, and take advantage of all the Money Talks newsletters that will serve to expand the overall process during the seminars.
Once again, Money Talks is now FREE! Make plans to attend one, or all of the wealth recovery seminars upcoming in the very near future. Dates and times are listed on the site, so bookmark and pre-register today!
Statistics show that most people are losing between 10%-20% or more of their gross income or revenue to financial inefficiencies and they don't know it. If you would like to recover these lost dollars. Now, with the announcement of Money Talks being absolutely free, there is no reason not to preregister, and take full advantage of the information given.
http://www.moneyteleseminars.com
Additional Money Talks Press Releases
Dr. Raymond Jewell announces today that Money Talks, the financial program designed to assist individuals with their money, is now being offered for free. This unprecedented offer, should be taken by anyone needing sound information concerning money
FOR IMMEDIATE RELEASE
PRLog (Press Release)
Aug 12, 2009
Dr. Raymond Jewell, the esteemed Senior Business Economist, has announced today that Money Talks will be free for anyone wishing to attend. These money seminars are designed to assist people in dealing more effectively with their money, finances, becoming educated in how financial institutions in this country operate, and literally all the aspects concerning recovering lost wealth.
Once offered on a paid basis, Dr. Jewell, with his legendary mission of reaching over 1 million people with Money Talks, now sees that offering the program for free, will attract more interested parties than ever before.
Having access to information provided by Dr. Jewell is indeed a rare privilege, and he has been in the financial mentoring and business model development industry for over 30 years. His expertise has led him to become in the top 1% of his field. Simply attending the online, and phone bridge seminar series, will lead to more questions being answered by those wishing to know where their money is going, and how to stop needless outflow of funds, and recover lost wealth for long term financial gains.
Butch Hamilton, the noted Wildcat SEO Master states, "I believe that everyone can benefit from this amazing offer from Dr. Jewell. After being associated with him for over three years now, I realize his expertise and knowledge in the business economic field, is indeed impressive. Personally, I will be making my plans to attend all the sessions, and will be taking notes that will help me to achieve my goals of financial independence."
To attend the Money Talks series, it will be necessary to pre-register on the following site: http://www.moneyteleseminars.com The signup process is fast and simple, and one is also encouraged to view the remainder of the site, and take advantage of all the Money Talks newsletters that will serve to expand the overall process during the seminars.
Once again, Money Talks is now FREE! Make plans to attend one, or all of the wealth recovery seminars upcoming in the very near future. Dates and times are listed on the site, so bookmark and pre-register today!
Statistics show that most people are losing between 10%-20% or more of their gross income or revenue to financial inefficiencies and they don't know it. If you would like to recover these lost dollars. Now, with the announcement of Money Talks being absolutely free, there is no reason not to preregister, and take full advantage of the information given.
http://www.moneyteleseminars.com
Additional Money Talks Press Releases
Monday, August 10, 2009
Money Talks
Money Talks-The Man Behind the Program
I want to talk to you today about Money Talks, the program designed by Dr. Raymond Jewell, that will soon attract 1 million people for the good common sense information that is given regarding money, finances, government and the systems that are currently in place where people are seeing their money literally seep out, without even being aware of what is going on.
I know Dr. Jewell. I have been associated with him for over three years now. I can tell you from personal experience, that Dr. Jewell is one of the leaders in his field of business and financial mentoring. His knowledge and expertise lies in the fact that for over 30 years, he has been assising many high profile clients with their money. This speaks loudly for his credibility.
Most of the information that you receive from your banking institutions, the news, the newspapers and magazine articles is so totally jaded, that it is hard for average people to read and absorb. Dr. Jewell breaks the mold of lawyer double talk and secrecy, and allows anyone who is wanting to become educated in just exactly how financial institutions work, to be able to access this information.
http://www.moneyteleseminars.com
Through special arrangements, Dr. Jewell is now offering the Money Talks program for absolutely FREE! Yes, you can view the site above, and signup for the FREE Money Talks program with nothing to gain but great information. After attending many of his lectures, I always come away with new knowledge and awareness that empowers me to be able to handle my money more effectively. He is willing to do the same for you.
I would also like to invite you to listed to FInancial Freedom Radio. Here, you will receive first hand information concerning all of the topics above that has anything to do with money and finances. These entertaining live radio shows serve as a roadmap that will guide everyone into a clearer understandiing of money, financial institiutions, governmental regulations and policies and pertinent information that you can use to your advantage in your path to financial independence.
http://financialfreedomradio.info
There is no reason not to signup for all the FREE services provided in Money Talks. The only reason that I can possibly think of is that you are so apathetic towards your financial condition, that you have decided to bury your head in the sand, because you cannot do anything about it. WAKE UP AMERICA!!! We can make a difference in our lives by becoming pro active and taking a stand for what we know is right. We can also take that same stand, and tell these supposed financial gurus, that we have had enough of their bullshit (to coin the term from Penn and Teller).
Make the choice today to take a stand for a change. You will be amazed at the feeling that you get for actually standing up for something for a change...
--
Butch Hamilton-The Wildcat SEO Master
Wildcat SEO Services
Office: 1-806-874-3314
Cell: 1-806-205-0648
2619 S Ong Street
Amarillo, TX 79109
www.butchhamilton.com
I want to talk to you today about Money Talks, the program designed by Dr. Raymond Jewell, that will soon attract 1 million people for the good common sense information that is given regarding money, finances, government and the systems that are currently in place where people are seeing their money literally seep out, without even being aware of what is going on.
I know Dr. Jewell. I have been associated with him for over three years now. I can tell you from personal experience, that Dr. Jewell is one of the leaders in his field of business and financial mentoring. His knowledge and expertise lies in the fact that for over 30 years, he has been assising many high profile clients with their money. This speaks loudly for his credibility.
Most of the information that you receive from your banking institutions, the news, the newspapers and magazine articles is so totally jaded, that it is hard for average people to read and absorb. Dr. Jewell breaks the mold of lawyer double talk and secrecy, and allows anyone who is wanting to become educated in just exactly how financial institutions work, to be able to access this information.
http://www.moneyteleseminars.com
Through special arrangements, Dr. Jewell is now offering the Money Talks program for absolutely FREE! Yes, you can view the site above, and signup for the FREE Money Talks program with nothing to gain but great information. After attending many of his lectures, I always come away with new knowledge and awareness that empowers me to be able to handle my money more effectively. He is willing to do the same for you.
I would also like to invite you to listed to FInancial Freedom Radio. Here, you will receive first hand information concerning all of the topics above that has anything to do with money and finances. These entertaining live radio shows serve as a roadmap that will guide everyone into a clearer understandiing of money, financial institiutions, governmental regulations and policies and pertinent information that you can use to your advantage in your path to financial independence.
http://financialfreedomradio.info
There is no reason not to signup for all the FREE services provided in Money Talks. The only reason that I can possibly think of is that you are so apathetic towards your financial condition, that you have decided to bury your head in the sand, because you cannot do anything about it. WAKE UP AMERICA!!! We can make a difference in our lives by becoming pro active and taking a stand for what we know is right. We can also take that same stand, and tell these supposed financial gurus, that we have had enough of their bullshit (to coin the term from Penn and Teller).
Make the choice today to take a stand for a change. You will be amazed at the feeling that you get for actually standing up for something for a change...
--
Butch Hamilton-The Wildcat SEO Master
Wildcat SEO Services
Office: 1-806-874-3314
Cell: 1-806-205-0648
2619 S Ong Street
Amarillo, TX 79109
www.butchhamilton.com
Sunday, August 9, 2009
Greeting Card Business
Begin a Greeting Card Business with ease.
Many times people would like to start a greeting card business, but don't know where to turn. They think that they have to buy inventory and set up shop in a mall or somewhere off-line.
Now there is a system that allows you to enter the Greeting Card Business with out the huge cost. You can run a greeting card business selling thousands of cards from your personal computer. There are many way to make money with this system, but in all cases the ability to make serious income is easier than any other way. There are people making six figures per month in under 5 years.
If you would like to learn more about how to get into the Greeting Card Business just go to www.TheCardBusiness.com and read more about it. Also if you would like to send a loved one a card go to www.TheCardBusiness.net and send a card for free, on me.
Thanks for reading,
Dr. Raymond Jewell, Economic Advisor
www.FinancialFreedomRadio.info
Powered by Qu
--Dr. Raymond Jewell
610-637-4884
Skype: rbjewell
Money Talks
Attend the Money Talks Webinars for Free!
Dr. Raymond Jewell is offering an incredible value. He has decided to make the MoneyTeleseminars.com program absolutely free. This unprecedented move on his part, shows his dedication to providing financial help to anyone wishing to know more. After being in contact with Dr. Jewell for years now, I realize that he is among the top in his field of business mentoring. His talent lies in the ability to create business models, that tell the true picture of one's personal economic growth. To have access to this amazing talent, for absolutely free, is indeed a rare opportunity.
To attend the September session, you must register at this web address: http://moneyteleseminars.com/Register.html
I would personally recommend that you plan to attend one, or all of the sessions. You will walk away with new insights and perspectives that will assist you in growing and maintaining your income for the long term.
--
Butch Hamilton-The Wildcat SEO Master
Wildcat SEO Services
Office: 1-806-874-3314
Cell: 1-806-205-0648
2619 S Ong Street
Amarillo, TX 79109
www.butchhamilton.com
Dr. Raymond Jewell is offering an incredible value. He has decided to make the MoneyTeleseminars.com program absolutely free. This unprecedented move on his part, shows his dedication to providing financial help to anyone wishing to know more. After being in contact with Dr. Jewell for years now, I realize that he is among the top in his field of business mentoring. His talent lies in the ability to create business models, that tell the true picture of one's personal economic growth. To have access to this amazing talent, for absolutely free, is indeed a rare opportunity.
To attend the September session, you must register at this web address: http://moneyteleseminars.com/Register.html
I would personally recommend that you plan to attend one, or all of the sessions. You will walk away with new insights and perspectives that will assist you in growing and maintaining your income for the long term.
--
Butch Hamilton-The Wildcat SEO Master
Wildcat SEO Services
Office: 1-806-874-3314
Cell: 1-806-205-0648
2619 S Ong Street
Amarillo, TX 79109
www.butchhamilton.com
Make Money In The Greeting Card Business
Want to learn the Power of Good?
Send out "Good Things" to others and "Good Things" will come back to you multi-fold.
How would you like to join a business where people come to you instead of you having to seek them out?
How would you like to have a business that gives you the potential to tell have financial independence and
be able to work because you want to not because you have to?
Then go to www.TheCardBusiness.com and see how easy it is. Send a free greeting card to a loved one, telling
telling them how much appreciated they are and you will see for your self. Also you will have a temporary back office
where you will be able to see how this business works.
Thanks for reading,
Dr. Raymond Jewell, Economic Advisor
Dr. Raymond Jewell
610-637-4884
Skype: rbjewell
Make Money In The Greeting Card Business...
Want to learn the Power of Good?
Send out "Good Things" to others and "Good Things" will come back to you multi-fold.
How would you like to join a business where people come to you instead of you having to seek them out?
How would you like to have a business that gives you the potential to tell have financial independence and
be able to work because you want to not because you have to?
Then go to www.TheCardBusiness.com and see how easy it is. Send a free greeting card to a loved one, telling
telling them how much appreciated they are and you will see for your self. Also you will have a temporary back office
where you will be able to see how this business works.
Thanks for reading,
Dr. Raymond Jewell, Economic Advisor
--
Dr. Raymond Jewell
610-637-4884
Skype: rbjewell
Money Talks|Newsletter
What you will get from our newsletter:
It is our goal to give you knowledge that will enable you to win financially in any economic climate. You work hard for your money and need to have good verifiable information that will enable you to create wealth. You will gain tremendous insight into how to actually create wealth no matter what your income. You can become wealthy simply by thinking differently and we will give you the tools to do so.
If you have a burning desire to win financially and are willing to think differently then you can learn. We always say that you will learn what the financial institutions, financial planners, and many accountants will never tell you. Always remember the statatic that "if ten percent of the people in the world control ninety percent of the worlds wealth then this proves that the financial institutions, financial planners, and many accountants are wrong other wise the ninety percent would be in control and they are not."
You will learn what the ten percent know. I have spent the last thirty years studying the ten percent mindset and putting those principals to work to create wealth and I am going to share them with you. Signup for the Money Talks Free Newsletter HERE...
TeleSeminars:
You will receive advance notice when a new MoneyTeleSeminar will be offered plus deep discounts on the TeleSeminars prices. The price that you pay for our seminars is always tax deductible and you will always come away with information to enable you to offset the cost of the seminars.
Free 4Laws of Financial Institutions
Go to MoneyTeleSeminars.com and sign up for the free 4Laws of Financial Institutions.
Thanks for reading
Dr. Raymond Jewell, Senior Economist and Chief Instructor
Money Talks
Where Does the Blame Lie?
In dealing with people concerning their finances and money, it is apparent that many people tend to blame systems or strategies. They seem to think that they really know exactly how the economy works, and if they are falling short of their goals and expectations, then the economy should be blamed. Granted, the economy will tell a great deal concerning our financial progress, but it is something much greater in depth than that.
The financial institutions to drain money from your account each month. The credit card companies charge you exorbitant fees for their services. Mortgage companies, car dealerships and a host of other financial organizations do take your money, for which you have no control over, right? WRONG! You can become educated in the art and science of money management. You can learn how to hedge yourself against undue money loss, and actually begin the process known as wealth recovery.
How do you start this process?
http://www.moneyteleseminars.com
You go to the site listed above, and you signup for the myriad of free newsletters that I offer. You actually take the time to read, absorb and learn from the information I am providing you AT NO COST!
Are you willing to be proactive today, and simply say that you really do not understand the economy, how it works, or why you are not able to recover your wealth and thrive. And yes, I am talking about this can help you even in today's wilting economy. The information I provide, both in audios, videos, newsletter and radio programs, will empower you to be able to grasp a firm grasp on the problems that you are now having, and can serve as a road map to your eventual recovery. Money Talks talks to you in a way that nothing that you have ever seen on Google can do. It will provide you with real benefits and solutions to your money questions.
It is time to stop blaming the economy, and begin to learn what you need to know to make a difference in you, and your family's future. That is my goal with Money Talks.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
In dealing with people concerning their finances and money, it is apparent that many people tend to blame systems or strategies. They seem to think that they really know exactly how the economy works, and if they are falling short of their goals and expectations, then the economy should be blamed. Granted, the economy will tell a great deal concerning our financial progress, but it is something much greater in depth than that.
The financial institutions to drain money from your account each month. The credit card companies charge you exorbitant fees for their services. Mortgage companies, car dealerships and a host of other financial organizations do take your money, for which you have no control over, right? WRONG! You can become educated in the art and science of money management. You can learn how to hedge yourself against undue money loss, and actually begin the process known as wealth recovery.
How do you start this process?
http://www.moneyteleseminars.com
You go to the site listed above, and you signup for the myriad of free newsletters that I offer. You actually take the time to read, absorb and learn from the information I am providing you AT NO COST!
Are you willing to be proactive today, and simply say that you really do not understand the economy, how it works, or why you are not able to recover your wealth and thrive. And yes, I am talking about this can help you even in today's wilting economy. The information I provide, both in audios, videos, newsletter and radio programs, will empower you to be able to grasp a firm grasp on the problems that you are now having, and can serve as a road map to your eventual recovery. Money Talks talks to you in a way that nothing that you have ever seen on Google can do. It will provide you with real benefits and solutions to your money questions.
It is time to stop blaming the economy, and begin to learn what you need to know to make a difference in you, and your family's future. That is my goal with Money Talks.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Saturday, August 8, 2009
Money Talks
Let's talk about "Mindset".
What I mean is, are you part of the 90% mindset? Statistically "if 10% of the people in the world control 90% of the worlds wealth this proves that the financial institutions, financial planners, and many accountants are wrong otherwise the 90% would be in control". What is your mindset? If you are part of the 90% you will want to change it quickly. If you are part of the 10% you need to stay put.
This newsletter is to the 90% mindset but if you are in the 10% then you at least know that you should continue to stay focused on your wealth creation strategies. The majority of the people are in the 90% mindset and are usually confused as to how to get out. They listen to the financial people with confusion understanding that what they are saying is not working but don't know where to turn.
Our MoneyTeleSemianrs.com with give you the solutions to your answers and more. Changing a mindset has to take commitment and desire therefore you need to be committed to putting your financial future in a positive frame instead of the negative mindset that comes from the financial institutions. We have just seen a massive shift in our world economy that will cause people to have to operate on a whole different playing field making financial planning obsolete.
The future focus is not on financial markets but on true wealth creation principals which the financial planners of the world don't understand. We are economist that look at the financial world through a economic holistic grid, using economic simulators that enable us to see the future before it occurs. When we do this we can see the flaws before they happen and prepare for the changes.
Your financial future can either be bright or dismal, you're choice, but by reading and listening to good sources of information you can change your "mindset" and be a winner in the future economy. Future MoneyTeleSeminar.com Newsletters will give you insights that will make you think about your financial future and then give you resources to put you on a positive path.
Thanks for reading,
Dr. Raymond Jewell, Senior Economist and Chief Instructor.
Thursday, August 6, 2009
Money Talks-Responsibilty
Responsiblity
It should go without saying that what you do with your money, how you grow your money and what you choose to do with that money, really comes down to responsibility. You are the ultimate controller of your money. If that situation does not reap positive rewards, then its not the fault of the business that you work for, or your local bank, but rather that responsibility falls directly on your head.
Money Talks is designed to provide you a road map to taking responsibility for your actions regarding money, finances, financial institutions, and the laws that govern these processes. I am not here to sell you anything, but rather have a calling in providing you valuable information that you can use in your online journey with income.
Will you take responsibility and view Money Talks? Will you decide to signup for the newsletters that will help you understand more about money and your financial future? I trust that you will make a positive move today, and visit the sites listed below.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
It should go without saying that what you do with your money, how you grow your money and what you choose to do with that money, really comes down to responsibility. You are the ultimate controller of your money. If that situation does not reap positive rewards, then its not the fault of the business that you work for, or your local bank, but rather that responsibility falls directly on your head.
Money Talks is designed to provide you a road map to taking responsibility for your actions regarding money, finances, financial institutions, and the laws that govern these processes. I am not here to sell you anything, but rather have a calling in providing you valuable information that you can use in your online journey with income.
Will you take responsibility and view Money Talks? Will you decide to signup for the newsletters that will help you understand more about money and your financial future? I trust that you will make a positive move today, and visit the sites listed below.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Wednesday, August 5, 2009
Financial Markets-Are They the Answer?
Are Financial Markets The Answer?
I was listening to a very prominent financial TV personality speaking about how to win financially and was appalled at what I heard. This individual was telling listeners to continue to put their money into financial markets and to risk their whole financial future in financial markets.
Now what is wrong with this thinking? Well we just saw financial markets drop dramatically and cost people trillions of dollars in life savings. Even 60 Minutes, the prominent TV show ran a recent segment on the problems with 401k's and Mutual Funds. [You can see the segment at www.FinancialFreedomRadio.info] Financial markets have historically cost people millions of dollars and many over time have lost their nest eggs but the financial people and financial companies continue to tell people to put their money into the financial markets. Even the 60 Minutes segment talked about the majority of the people being financially uneducated and that the financial institutions will continue to extract cash from the consumers.
Good financial people should be teaching people to how to build businesses, how to make inflation their friend, how to use their wealth and grow it at the same time. The reason they don't is because they don't know. These people only know how to sell things that make them money, even though they may cost you. They know that what they are saying is wrong, and if they don't then they should not be giving financial advice and should be sued for malpractice.
Watch the 60 Minutes segment and see for yourself what we have been saying for years. Finally someone is listening but its too late. Also come to our MoneyTeleSeminars "Wealth Recovery" Seminar and learn how you can understand the financial institutions and how the miss-lead the consumer. Go to www.MoneyTeleSeminars.com and sign up for the next teleseminar.
Thanks for reading,
Dr. Raymond Jewell, Senior Economist
www.FinancialFreedomRadio.info
Tuesday, August 4, 2009
Money Talks|Debt
Money Talks
1. Americans are loaded with credit-card debt.
The average American household with at least one credit card has nearly $10,700 in credit-card debt, according to CardWeb.com, and the average interest rate runs in the mid- to high teens at any given time.
2. Some debt is good.
Borrowing for a home or college usually makes good sense. Just make sure you don't borrow more than you can afford to pay back, and shop around for the best rates.
3. Some debt is bad.
Don't use a credit card to pay for things you consume quickly, such as meals and vacations, if you can't afford to pay off your monthly bill in full in a month or two. There's no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there's something you really want, but it's expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it's due and avoid interest charges.
4. Get a handle on your spending.
Most people spend thousands of dollars without much thought to what they're buying. Write down everything you spend for a month, cut back on things you don't need, and start saving the money left over or use it to reduce your debt more quickly.
5. Pay off your highest-rate debts first.
The key to getting out of debt efficiently is first to pay down the balances of loans or credit cards that charge the most interest while paying at least the minimum due on all your other debt. Once the high-interest debt is paid down, tackle the next highest, and so on.
6. Don't fall into the minimum trap.
If you just pay the minimum due on credit-card bills, you'll barely cover the interest you owe, to say nothing of the principal. It will take you years to pay off your balance, and potentially you'll end up spending thousands of dollars more than the original amount you charged.
7. Watch where you borrow.
It may be convenient to borrow against your home or your 401(k) to pay off debt, but it can be dangerous. You could lose your home or fall short of your investing goals at retirement.
8. Expect the unexpected.
Build a cash cushion worth three months to six months of living expenses in case of an emergency. If you don't have an emergency fund, a broken furnace or damaged car can seriously upset your finances.
9. Don't be so quick to pay down your mortgage.
Don't pour all your cash into paying off a mortgage if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate and you want to lower your monthly payments, consider refinancing.)
10. Get help as soon as you need it.
If you have more debt than you can manage, get help before your debt breaks your back. There are reputable debt counseling agencies that may be able to consolidate your debt and assist you in better managing your finances. But there are also a lot of disreputable agencies out there.
Money Talks, the program designed by Dr. Raymond Jewell, can help you to curb your debt problem. It will not be an easy, nor quick solution, but the benefits that you derive from signing up for the free information found on the sites listed below, will have far ranging effects on your long term growth and stability.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
1. Americans are loaded with credit-card debt.
The average American household with at least one credit card has nearly $10,700 in credit-card debt, according to CardWeb.com, and the average interest rate runs in the mid- to high teens at any given time.
2. Some debt is good.
Borrowing for a home or college usually makes good sense. Just make sure you don't borrow more than you can afford to pay back, and shop around for the best rates.
3. Some debt is bad.
Don't use a credit card to pay for things you consume quickly, such as meals and vacations, if you can't afford to pay off your monthly bill in full in a month or two. There's no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there's something you really want, but it's expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it's due and avoid interest charges.
4. Get a handle on your spending.
Most people spend thousands of dollars without much thought to what they're buying. Write down everything you spend for a month, cut back on things you don't need, and start saving the money left over or use it to reduce your debt more quickly.
5. Pay off your highest-rate debts first.
The key to getting out of debt efficiently is first to pay down the balances of loans or credit cards that charge the most interest while paying at least the minimum due on all your other debt. Once the high-interest debt is paid down, tackle the next highest, and so on.
6. Don't fall into the minimum trap.
If you just pay the minimum due on credit-card bills, you'll barely cover the interest you owe, to say nothing of the principal. It will take you years to pay off your balance, and potentially you'll end up spending thousands of dollars more than the original amount you charged.
7. Watch where you borrow.
It may be convenient to borrow against your home or your 401(k) to pay off debt, but it can be dangerous. You could lose your home or fall short of your investing goals at retirement.
8. Expect the unexpected.
Build a cash cushion worth three months to six months of living expenses in case of an emergency. If you don't have an emergency fund, a broken furnace or damaged car can seriously upset your finances.
9. Don't be so quick to pay down your mortgage.
Don't pour all your cash into paying off a mortgage if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate and you want to lower your monthly payments, consider refinancing.)
10. Get help as soon as you need it.
If you have more debt than you can manage, get help before your debt breaks your back. There are reputable debt counseling agencies that may be able to consolidate your debt and assist you in better managing your finances. But there are also a lot of disreputable agencies out there.
Money Talks, the program designed by Dr. Raymond Jewell, can help you to curb your debt problem. It will not be an easy, nor quick solution, but the benefits that you derive from signing up for the free information found on the sites listed below, will have far ranging effects on your long term growth and stability.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Monday, August 3, 2009
Sunday, August 2, 2009
Money Talks
The Power of One
When you consider the power of one, you have before you the world of possibilities. One right decision, can lead you to becoming more productive. One right move in the right direction, can open up the entire world. One positive affirmation said today, can mean the difference between you being depressed, or positive. One right move in the direction of wealth recovery, can mean the difference between you achieving financial independence, or being held in slavery by the financial institutions. The power of one can lead you back to the road that you should be traveling.
Money and finances are not really as big of a mystery as you might perceive. It has to do with your mindset towards those invisible elements that makes the difference. Moving today, and using the power of one, can lead you towards a brighter and more productive path for the long term.
Money Talks utilizes the power of one to the maximum benefit for the ones who make the decision to visit the site: http://www.moneyteleseminars.com and then opting in for the information, newsletters, workbooks and all the offers found on the site.
Dr. Raymond Jewell is the prime example of the power of one. Here is one man, who has a calling to reach over 1 million people over the next few years, with his message concerning wealth recovery and wealth creation. His expectations are great. His methods are proven. His words about money and finances are trusted and respected around the world.
Dr. Jewell spends his valuable time each week mentoring and assisting others in their quest for financial stability and wholeness. He has worked with very high profile people in his thirty plus years of providing solid and far ranging business plans for people who have been in financial trouble. He has taken time to establish himself as one of the most noted business economist working today.
The essence of the power of one fact is that you too, can learn how to recover lost wealth, become educated in the systems that govern the financial institutions, and begin the journey back to financial prosperity and well being.
All that is required on your part today, is to make the power of one theory begin to take shape. Do not put this off, as there is no better time to implement your new strategy for productivity than today. Sign up for the Money Talks Newsletter, and begin your own journey today!
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
When you consider the power of one, you have before you the world of possibilities. One right decision, can lead you to becoming more productive. One right move in the right direction, can open up the entire world. One positive affirmation said today, can mean the difference between you being depressed, or positive. One right move in the direction of wealth recovery, can mean the difference between you achieving financial independence, or being held in slavery by the financial institutions. The power of one can lead you back to the road that you should be traveling.
Money and finances are not really as big of a mystery as you might perceive. It has to do with your mindset towards those invisible elements that makes the difference. Moving today, and using the power of one, can lead you towards a brighter and more productive path for the long term.
Money Talks utilizes the power of one to the maximum benefit for the ones who make the decision to visit the site: http://www.moneyteleseminars.com and then opting in for the information, newsletters, workbooks and all the offers found on the site.
Dr. Raymond Jewell is the prime example of the power of one. Here is one man, who has a calling to reach over 1 million people over the next few years, with his message concerning wealth recovery and wealth creation. His expectations are great. His methods are proven. His words about money and finances are trusted and respected around the world.
Dr. Jewell spends his valuable time each week mentoring and assisting others in their quest for financial stability and wholeness. He has worked with very high profile people in his thirty plus years of providing solid and far ranging business plans for people who have been in financial trouble. He has taken time to establish himself as one of the most noted business economist working today.
The essence of the power of one fact is that you too, can learn how to recover lost wealth, become educated in the systems that govern the financial institutions, and begin the journey back to financial prosperity and well being.
All that is required on your part today, is to make the power of one theory begin to take shape. Do not put this off, as there is no better time to implement your new strategy for productivity than today. Sign up for the Money Talks Newsletter, and begin your own journey today!
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Friday, July 31, 2009
Money Talks
Money Talks
Recent unemployment numbers have undermined confidence that we might be nearing the bottom of the recession. The appropriate metaphor is not the green shoots of new growth. It's better to view the total of jobless people as a prudent navigator perceives an iceberg.
What we see on the surface is disconcerting enough. The Bureau of Labor Statistics estimate of 467,000 jobs lost in June increases to 7.2 million the number of unemployed since the start of the recession.
The cumulative job losses over the past six months have been greater than for any other half-year period since World War II, including demobilization. What's more, the job losses are now equal to the net job gains over the previous nine years, making this the only recession since the Great Depression to wipe out all employment growth from the previous business cycle.
That's bad enough. But here are nine reasons we are in even more trouble than the 9.5% unemployment rate indicates:
1. June's total included 185,000 people assumed to be at work but many of whom probably were not. The government could not identify them; it made an assumption about trends.
But many of these mythical jobs are in industries such as finance that have absolutely no job creation. As official numbers are adjusted over the next several months, some of the 185,000 will likely be added to the unemployment totals.
2. More companies are asking employees to take unpaid leave. These people don't count on the unemployment rolls.
3. At least 1.4 million people weren't counted among the unemployed, even though they wanted work or were available in the past 12 months. Why? Because they hadn't searched for work in the four weeks preceding the survey. The assumption is that they had found work or don't want it, but there are other explanations: school attendance, family responsibilities, sheer exhaustion.
4. The number of workers taking part-time jobs because of the slack economy, a kind of stealth underemployment, has doubled in this recession to about 9 million, or 5.8% of the work force. Add those whose hours have been cut and the total of unemployed and underemployed rises to 16.5%, putting the number of involuntarily idle workers in the range of an overwhelming 25 million.
5. The inside numbers are just as bad. The average workweek for production and non supervisory private-sector employees, around 80% of the work force, dropped to 33 hours. That's 48 minutes a week less than before the recession began, the lowest level of activity since the government began tracking such data 45 years ago.
Full-time workers are being downgraded to part-time as businesses slash labor costs to remain above water. Factories operate at only 65% of capacity. If American workers were still putting in those extra 48 minutes a week, 3.3 million fewer employees could perform the same aggregate amount of work. With a longer workweek, the unemployment rate would reach 11.7%, not the official 9.5% (which in turn dramatically exceeds the 8% rate projected by the Obama administration).
6. The average length of official unemployment increased to 24.5 weeks. This is the longest term since the government started to track these data in 1948. The number of long-term unemployed (those out of a job for 27 weeks or more) has now jumped to 4.4 million, an all-time high.
7. The average worker saw no wage gains in June, with average compensation running flat at an average of $18.53 an hour.
8. The jobs report is even uglier when you consider that the sector producing goods is losing the most jobs -- 223,000 in the last report alone.
9. The prospects for job creation are equally distressing. The likelihood is that when economic activity picks up, employers will first choose to increase hours for existing workers and bring part-time workers to full-time status.
Money Talks the Solution
Amidst all the doom and gloom in the above article from US News and World Report, there are definite solutions for average Americans seeking straight answers to tough questions concerning their own financial welfare. Money Talks, the website designed by Dr. Raymond Jewell, offers many solutions and benefits for viewing. The information contained within the site will reveal many uplifting and positive audios and recordings that lead people in the right direction to wealth recovery and financial independence.
Money Talks breaks through the veiled and hazy mystery of financial loss, and offers people from around this country solutions to their own financial questions. It is refreshing indeed to know that there are workarounds to the problems that all Americans face in today's somewhat puzzling economy.
Taking full advantage of the best Money Talks newsletter series on Google, just makes perfect sense. There is nothing but gain by subscribing, but more importantly, taking heed to the words and putting into motion, the principles and guidelines covered. We can lead you to the door of financial recovery, but you must choose to walk through that door!
View and Absorb Money Talks HERE...
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Money Talks Reference
Recent unemployment numbers have undermined confidence that we might be nearing the bottom of the recession. The appropriate metaphor is not the green shoots of new growth. It's better to view the total of jobless people as a prudent navigator perceives an iceberg.
What we see on the surface is disconcerting enough. The Bureau of Labor Statistics estimate of 467,000 jobs lost in June increases to 7.2 million the number of unemployed since the start of the recession.
The cumulative job losses over the past six months have been greater than for any other half-year period since World War II, including demobilization. What's more, the job losses are now equal to the net job gains over the previous nine years, making this the only recession since the Great Depression to wipe out all employment growth from the previous business cycle.
That's bad enough. But here are nine reasons we are in even more trouble than the 9.5% unemployment rate indicates:
1. June's total included 185,000 people assumed to be at work but many of whom probably were not. The government could not identify them; it made an assumption about trends.
But many of these mythical jobs are in industries such as finance that have absolutely no job creation. As official numbers are adjusted over the next several months, some of the 185,000 will likely be added to the unemployment totals.
2. More companies are asking employees to take unpaid leave. These people don't count on the unemployment rolls.
3. At least 1.4 million people weren't counted among the unemployed, even though they wanted work or were available in the past 12 months. Why? Because they hadn't searched for work in the four weeks preceding the survey. The assumption is that they had found work or don't want it, but there are other explanations: school attendance, family responsibilities, sheer exhaustion.
4. The number of workers taking part-time jobs because of the slack economy, a kind of stealth underemployment, has doubled in this recession to about 9 million, or 5.8% of the work force. Add those whose hours have been cut and the total of unemployed and underemployed rises to 16.5%, putting the number of involuntarily idle workers in the range of an overwhelming 25 million.
5. The inside numbers are just as bad. The average workweek for production and non supervisory private-sector employees, around 80% of the work force, dropped to 33 hours. That's 48 minutes a week less than before the recession began, the lowest level of activity since the government began tracking such data 45 years ago.
Full-time workers are being downgraded to part-time as businesses slash labor costs to remain above water. Factories operate at only 65% of capacity. If American workers were still putting in those extra 48 minutes a week, 3.3 million fewer employees could perform the same aggregate amount of work. With a longer workweek, the unemployment rate would reach 11.7%, not the official 9.5% (which in turn dramatically exceeds the 8% rate projected by the Obama administration).
6. The average length of official unemployment increased to 24.5 weeks. This is the longest term since the government started to track these data in 1948. The number of long-term unemployed (those out of a job for 27 weeks or more) has now jumped to 4.4 million, an all-time high.
7. The average worker saw no wage gains in June, with average compensation running flat at an average of $18.53 an hour.
8. The jobs report is even uglier when you consider that the sector producing goods is losing the most jobs -- 223,000 in the last report alone.
9. The prospects for job creation are equally distressing. The likelihood is that when economic activity picks up, employers will first choose to increase hours for existing workers and bring part-time workers to full-time status.
Money Talks the Solution
Amidst all the doom and gloom in the above article from US News and World Report, there are definite solutions for average Americans seeking straight answers to tough questions concerning their own financial welfare. Money Talks, the website designed by Dr. Raymond Jewell, offers many solutions and benefits for viewing. The information contained within the site will reveal many uplifting and positive audios and recordings that lead people in the right direction to wealth recovery and financial independence.
Money Talks breaks through the veiled and hazy mystery of financial loss, and offers people from around this country solutions to their own financial questions. It is refreshing indeed to know that there are workarounds to the problems that all Americans face in today's somewhat puzzling economy.
Taking full advantage of the best Money Talks newsletter series on Google, just makes perfect sense. There is nothing but gain by subscribing, but more importantly, taking heed to the words and putting into motion, the principles and guidelines covered. We can lead you to the door of financial recovery, but you must choose to walk through that door!
View and Absorb Money Talks HERE...
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Money Talks Reference
Wednesday, July 29, 2009
Money Talks
NEW YORK (Fortune) -- Few individuals derive quite so much pleasure from digging through data as Charles Biderman. He's the always-opinionated, hyper-watchful numbers hound behind TrimTabs Investment Research, the firm that FORTUNE partnered with to build our Recovery Index.
And though he's a Harvard Business School grad, Biderman's insights about how the market moves are more than purely academic. In order to pay back his school loans, he spent the 1970s and 1980s building a career in real estate development until, in 1988, his bank went broke and his loans were called.
Biderman was forced into personal bankruptcy and emerged with key insight: price is a function of liquidity, it has nothing to do with value.
That notion led him to form TrimTabs, which sells proprietary research about the markets, money flows and the economy to investors (currently one-fourth of the biggest hedge funds in the United States are clients, and Goldman Sachs purchased a minority stake in the company last year).
Candid and colorful in conversation, Biderman's exhaustive research has produced some alarmingly simple findings.
For instance: "When companies are net buyers of stock, the market goes up, when they're net sellers the market goes down," he says. Indeed, one of his favorite metrics to watch is the number of stock buybacks by corporations, which he says start climbing at the trough of every downturn (something, as we note in our Recovery Index, that hasn't happened yet.)
Biderman talked to FORTUNE's Lee Clifford about what the Recovery Index is showing now, the one move Obama needs to make, and when he thinks the stock market will finally hit bottom.
Fortune: Give us your take on the health of the overall economy right now.
Biderman: Things are getting worse. The job market continues to contract. Incomes keep declining, even after adjusting for the latest round of tax credits. We don't see any slowdown in the rate of declines in incomes or job losses. There's no end in sight.
I've been looking at the numbers, comparing the three-week Easter season this year versus last year. Incomes are down 10%. We haven't seen anything like that for decades.
Fortune: How do you view the policy responses from Washington so far?
Biderman: The only thing that's helping anybody right now is the $400 per person [$800 per couple] tax cut. That's helping somewhat. But I'm a little cynical. My feeling is that the divine purpose of the political system is to raise money for politicians so they can get reelected.
The banks that are in trouble have paid Congress a lot of money over the years. You and I don't pay anything to the congressman. What we would recommend is that instead of focusing on getting the banks to lend, you've got to focus on giving wage earners more money.
Fortune: You don't believe any of the recent stock market rallies have been for real. Explain.
Biderman: Well, what you've had recently is $2 billion a week in tax refunds that started to go out during the first in week February and will continue through the third week in May. I suspect that's part of the reason for the stock market rally, but that's only temporary.
In March there was a little revival in refinancing, but again, I think the number of people who are in a position to take advantage of refinancings right now is pretty small. The glimmers of hope were temporary and now we see that things are declining again.
Fortune: Talk about what you're seeing in terms of the housing market.
Biderman: If we look at homes, while the number of foreclosures seems to be dropping somewhat, the notices of default are at record levels and so we expect the foreclosures to spike up again too. If you look at what's really going on, right after the 'peak' in foreclosures in September, there was a moratorium on foreclosures, but that ended in March. Once those pick up again, it's going to be a new down leg in the real estate market.
Fortune: If there's one policy you could implement now to help fix the economy, what would it be?
Biderman: If we cut withholding rates by 15%, and we did it for three years, it would be $300 billion a year in lower taxes, which is less than it costs to bail out some of these institutions. But we're not doing that, so instead you're creating a situation where more and more consumers are going to be defaulting on their debts. Forget new lending, the real problem for banks is going to be collecting on all these loans, and the problems are going to be way beyond sub prime.
Fortune: In your view, what would be the single best sign that we've hit bottom?
Biderman: That foreclosures dry up. That'll be a sign that household wealth has stabilized. Things aren't going to hit bottom until the real estate market bottoms, and we work through all the problem homes, and people can afford the homes they're in. Then we can grow from there.
Fortune: And when do you think that might be?
Biderman: At least another year. We probably won't see a bottom till sometime in 2010. We're still in retreat.
Fortune: You've long taken issue with the way the government collects some economic data. What bothers you most?
Biderman: Just look at how they track income and jobs. When everybody gets paid, the amount of money withheld goes to the government. From that you could tell who had jobs and how much they're making. But instead of tracking this in aggregate and reporting it in real time, the Bureau of Economic Analysis uses historic data that's 5 to 7 months old and based on state unemployment data to come up with estimate of current income and job gains or losses. Then of course they always go back and revise the number. But they never have a press release about the revisions. What's equally annoying is that nobody's taking the time to say, 'this is crazy!'
The economy is crazy indeed, as seen from the article listed above on CNN Money. It goes without saying that people are dazed and confused in the current trends of the economy. It is clear that conditions are worsening, even though the major news sources are telling the opposite.
What can you do as an average American citizen to learn the real truth about money, investing, financial institutions, and is there a way to recover lost wealth, and income in this time of economic uncertainty?
Money Talks Offers Education and Solutions
Money Talks, the program set into motion by Dr. Raymond Jewell, is answering the tough questions concerning the economy. He is in touch with the current economic trends and knows that average people are hurting today. His goal is to bring Money Talks to one milllion people over the next three year period.
Money Talks offers real people information, education, mentoring and other intuitive and creative ideas in dealing effectively with money issues. Money Talks begins the process back to economic wholeness. This will not happen overnight. One must be aware that becoming pro active, and taking responsibility to view the Money Talks site is important, but its more important to signup for all the resources that are available.
Money Talks receives many hits over a week long period, and for the people who are receiving the timely newsletter presentations are getting a first hand look at how they can educate themselves back into wholeness, under the guidance of Dr. Jewell.
Is your financial future worth the effort?
Is your situation able to be rectified over the coming months?
Are you willing to stand and signup for the newsletters provided?
Are you willing to become educated in the exact ways that you are losing money today from the financial institutions?
If you answer yes to these questions, then viewing the Money Talks site, is definitely worth your time and effort.
And though he's a Harvard Business School grad, Biderman's insights about how the market moves are more than purely academic. In order to pay back his school loans, he spent the 1970s and 1980s building a career in real estate development until, in 1988, his bank went broke and his loans were called.
Biderman was forced into personal bankruptcy and emerged with key insight: price is a function of liquidity, it has nothing to do with value.
That notion led him to form TrimTabs, which sells proprietary research about the markets, money flows and the economy to investors (currently one-fourth of the biggest hedge funds in the United States are clients, and Goldman Sachs purchased a minority stake in the company last year).
Candid and colorful in conversation, Biderman's exhaustive research has produced some alarmingly simple findings.
For instance: "When companies are net buyers of stock, the market goes up, when they're net sellers the market goes down," he says. Indeed, one of his favorite metrics to watch is the number of stock buybacks by corporations, which he says start climbing at the trough of every downturn (something, as we note in our Recovery Index, that hasn't happened yet.)
Biderman talked to FORTUNE's Lee Clifford about what the Recovery Index is showing now, the one move Obama needs to make, and when he thinks the stock market will finally hit bottom.
Fortune: Give us your take on the health of the overall economy right now.
Biderman: Things are getting worse. The job market continues to contract. Incomes keep declining, even after adjusting for the latest round of tax credits. We don't see any slowdown in the rate of declines in incomes or job losses. There's no end in sight.
I've been looking at the numbers, comparing the three-week Easter season this year versus last year. Incomes are down 10%. We haven't seen anything like that for decades.
Fortune: How do you view the policy responses from Washington so far?
Biderman: The only thing that's helping anybody right now is the $400 per person [$800 per couple] tax cut. That's helping somewhat. But I'm a little cynical. My feeling is that the divine purpose of the political system is to raise money for politicians so they can get reelected.
The banks that are in trouble have paid Congress a lot of money over the years. You and I don't pay anything to the congressman. What we would recommend is that instead of focusing on getting the banks to lend, you've got to focus on giving wage earners more money.
Fortune: You don't believe any of the recent stock market rallies have been for real. Explain.
Biderman: Well, what you've had recently is $2 billion a week in tax refunds that started to go out during the first in week February and will continue through the third week in May. I suspect that's part of the reason for the stock market rally, but that's only temporary.
In March there was a little revival in refinancing, but again, I think the number of people who are in a position to take advantage of refinancings right now is pretty small. The glimmers of hope were temporary and now we see that things are declining again.
Fortune: Talk about what you're seeing in terms of the housing market.
Biderman: If we look at homes, while the number of foreclosures seems to be dropping somewhat, the notices of default are at record levels and so we expect the foreclosures to spike up again too. If you look at what's really going on, right after the 'peak' in foreclosures in September, there was a moratorium on foreclosures, but that ended in March. Once those pick up again, it's going to be a new down leg in the real estate market.
Fortune: If there's one policy you could implement now to help fix the economy, what would it be?
Biderman: If we cut withholding rates by 15%, and we did it for three years, it would be $300 billion a year in lower taxes, which is less than it costs to bail out some of these institutions. But we're not doing that, so instead you're creating a situation where more and more consumers are going to be defaulting on their debts. Forget new lending, the real problem for banks is going to be collecting on all these loans, and the problems are going to be way beyond sub prime.
Fortune: In your view, what would be the single best sign that we've hit bottom?
Biderman: That foreclosures dry up. That'll be a sign that household wealth has stabilized. Things aren't going to hit bottom until the real estate market bottoms, and we work through all the problem homes, and people can afford the homes they're in. Then we can grow from there.
Fortune: And when do you think that might be?
Biderman: At least another year. We probably won't see a bottom till sometime in 2010. We're still in retreat.
Fortune: You've long taken issue with the way the government collects some economic data. What bothers you most?
Biderman: Just look at how they track income and jobs. When everybody gets paid, the amount of money withheld goes to the government. From that you could tell who had jobs and how much they're making. But instead of tracking this in aggregate and reporting it in real time, the Bureau of Economic Analysis uses historic data that's 5 to 7 months old and based on state unemployment data to come up with estimate of current income and job gains or losses. Then of course they always go back and revise the number. But they never have a press release about the revisions. What's equally annoying is that nobody's taking the time to say, 'this is crazy!'
The economy is crazy indeed, as seen from the article listed above on CNN Money. It goes without saying that people are dazed and confused in the current trends of the economy. It is clear that conditions are worsening, even though the major news sources are telling the opposite.
What can you do as an average American citizen to learn the real truth about money, investing, financial institutions, and is there a way to recover lost wealth, and income in this time of economic uncertainty?
Money Talks Offers Education and Solutions
Money Talks, the program set into motion by Dr. Raymond Jewell, is answering the tough questions concerning the economy. He is in touch with the current economic trends and knows that average people are hurting today. His goal is to bring Money Talks to one milllion people over the next three year period.
Money Talks offers real people information, education, mentoring and other intuitive and creative ideas in dealing effectively with money issues. Money Talks begins the process back to economic wholeness. This will not happen overnight. One must be aware that becoming pro active, and taking responsibility to view the Money Talks site is important, but its more important to signup for all the resources that are available.
Money Talks receives many hits over a week long period, and for the people who are receiving the timely newsletter presentations are getting a first hand look at how they can educate themselves back into wholeness, under the guidance of Dr. Jewell.
Is your financial future worth the effort?
Is your situation able to be rectified over the coming months?
Are you willing to stand and signup for the newsletters provided?
Are you willing to become educated in the exact ways that you are losing money today from the financial institutions?
If you answer yes to these questions, then viewing the Money Talks site, is definitely worth your time and effort.
Tuesday, July 28, 2009
Money Talks
Money Talks-The Economy
You often hear that we are now living through the worst recession since the early 1980s, and the comparison is not wrong. But it's ultimately unsatisfying, because it is a little too vague to be useful.
Is the economy only a little worse than it was in the last couple recessions, as some have said, and still a long way from the dark days of 1982? Or are we instead on our way toward something that may even approach the severity of the Great Depression?
Without more specifics, it is hard to judge the staggering stimulus numbers being thrown around Washington. It is hard to know how tough a task the Obama administration is facing — and whether it's running the risk of being too timid or too aggressive.
I thought it would make sense to get some clearer historical perspective, and the economists at the Bureau of Labor Statistics were nice enough to help me do so. In the last week, they helped me put together a broad measure of the job market — one including both official unemployment and more subtle kinds — stretching back to 1970. Since the job market covers the entire economy and affects families in tangible ways, it seems to be the single best yardstick.
And it shows, for starters, that the economy is not yet as bad as it was in the early 1980s. It's not even that close to being as bad. The ranks of unemployed and underemployed, controlling for the size of the population, were much larger in 1982 than today.
But economies are a little like battleships. They turn slowly, and you can often tell where they are going before they get there. At The New York Times, we're discouraged from using the word "unprecedented." ("Use the term rarely and only after verifying the history," the stylebook says.)
So suffice it to say that the serious recent declines in retail sales, business spending and employment make it highly unusual that the economy will improve anytime soon. The job market will almost certainly continue to worsen for most of 2009. Even if the much-needed stimulus bill passes, the economy is likely to end the year in roughly as bad a shape as its 1982 nadir. Which is saying something.
The recession of the early 1980s doesn't have a catchy name, and almost half of Americans are too young to have any real memory of it. But it was terrible — qualitatively different from the mild recessions of 1990-91 and 2001.
The first big blow to the economy was the 1979 revolution in Iran, which sent oil prices skyrocketing. The bigger blow was a series of sharp interest-rate increases by the Federal Reserve, meant to snap inflation. Home sales plummeted. At their worst, they were 30 percent lower than they are even now (again, adjusted for population size). The industrial Midwest was hardest hit, and the term "Rust Belt" became ubiquitous. Many families fled south and west, helping to create the modern Sun Belt.
Nationwide, the unemployment rate rose above 10 percent in 1982, compared with 7.2 percent last month. But that rate has a couple of basic flaws, as I've discussed in previous columns. It counts people who have been forced to work part time, even though they want to work full time, as fully employed. It also considers people who have given up looking for work — so-called discouraged workers — to be no different from retirees or stay-at-home parents. They simply aren't counted.
Years ago, the Labor Department responded to criticism about these issues by creating several broader measures of joblessness. Unfortunately, they don't exist prior to 1994. But the department was doing similar work in earlier years, which allows the economists who work there to make estimates about how to compare the various survey categories over time. I took these estimates — and they are estimates, not official statistics — and created a measure of unemployment that goes back to 1970.
Including discouraged workers, the measure shows that the unemployment rate was 7.6 percent last month. Another 5.2 percent of the labor force was involuntarily working part time. These two groups bring the combined rate to 12.8 percent.
Even this is an understatement, because the Labor Department's definition of discouraged workers is a little narrow. To be counted, somebody must have looked for a job in the last year. And there appear to be several hundred thousand people — mostly men — who stopped looking for work more than a year ago but would gladly take a good-paying job if one came along. They would lift the rate above 13 percent.
As bad as the number is, it is still not that close to its 1982 peak of 16.3 percent (or anywhere near its Depression levels, which were probably above 30 percent). The early '80s really were that bad.
So why are public opinion polls showing Americans to be even gloomier about the economy today than they were back then? I think there are two main reasons.
First, the economic expansion that just ended wasn't as good as the 1970s expansions. The '70s get a bad rap, and deservedly so in many ways. But median family income still rose 2 percent during the decade, after adjusting for inflation. Over the past decade, it has fallen.
Second, people seem to understand that the worst is yet to come — that the economy has not yet worked off its excesses.
A good reminder came in a recent report on the Manhattan real estate market by Goldman Sachs. It looked at apartment prices relative to rents, incomes and mortgage rates and concluded that prices were 19 to 44 percent higher than historical norms. Jan Hatzius, Goldman's chief economist, was careful to say that prices won't necessarily drop by that much. But we should know by now that old-fashioned economic fundamentals deserve some respect.
In much of the rest of the country, home prices also still have some amount to fall. Banks still have more losses to acknowledge. Companies have more jobs to cut. Some time this year, one in six workers may find themselves unemployed or underemployed, just as was the case in 1982.
The biggest risk is that these problems will feed on themselves and make the situation even worse than now seems likely. That has been the pattern for the past year and a half. If it continues — and it will without a big stimulus package — the economy really could end up in worse shape than it's been in more than 60 years.
Money Talks-The Solution
According to the article posted above from The NY Times, the economy appears to be struggling, to say the least. What does this mean for the average person on the street? Is it a pre cursor to more doom and gloom? Is there really no hope for the future? Does it mean that you just bury your head in the sand, and give up?
Money Talks is the solution for people looking to survive in hard economic times. Money Talks will give you answers to why your money is not as stable as it used to be. Money Talks will offer solutions that you can use today, to begin the journey back into sanity, in an insane economic world. Money Talks is designed to help you know the insider secrets to the financial institutions, and how you can use that information to further your own personal cause of wealth recovery and creation.
Money Talks is not something that you join, and become instantly rich. Money Talks is education concerning current economic trends. It is an answer to the madness and misrepresentations of today's financial world. Money Talks will bring to light, the problems that we all face, and it will begin to put back, the broken pieces of the financial puzzle.
Here is the offer. Simply go to http://www.moneyteleseminars.com and listen to Dr. Raymond Jewell, the noted Senior Economist, talk about money, finances, financial institutions and how to recover lost wealth. You will never receive better information about the real story concerning money.
You often hear that we are now living through the worst recession since the early 1980s, and the comparison is not wrong. But it's ultimately unsatisfying, because it is a little too vague to be useful.
Is the economy only a little worse than it was in the last couple recessions, as some have said, and still a long way from the dark days of 1982? Or are we instead on our way toward something that may even approach the severity of the Great Depression?
Without more specifics, it is hard to judge the staggering stimulus numbers being thrown around Washington. It is hard to know how tough a task the Obama administration is facing — and whether it's running the risk of being too timid or too aggressive.
I thought it would make sense to get some clearer historical perspective, and the economists at the Bureau of Labor Statistics were nice enough to help me do so. In the last week, they helped me put together a broad measure of the job market — one including both official unemployment and more subtle kinds — stretching back to 1970. Since the job market covers the entire economy and affects families in tangible ways, it seems to be the single best yardstick.
And it shows, for starters, that the economy is not yet as bad as it was in the early 1980s. It's not even that close to being as bad. The ranks of unemployed and underemployed, controlling for the size of the population, were much larger in 1982 than today.
But economies are a little like battleships. They turn slowly, and you can often tell where they are going before they get there. At The New York Times, we're discouraged from using the word "unprecedented." ("Use the term rarely and only after verifying the history," the stylebook says.)
So suffice it to say that the serious recent declines in retail sales, business spending and employment make it highly unusual that the economy will improve anytime soon. The job market will almost certainly continue to worsen for most of 2009. Even if the much-needed stimulus bill passes, the economy is likely to end the year in roughly as bad a shape as its 1982 nadir. Which is saying something.
The recession of the early 1980s doesn't have a catchy name, and almost half of Americans are too young to have any real memory of it. But it was terrible — qualitatively different from the mild recessions of 1990-91 and 2001.
The first big blow to the economy was the 1979 revolution in Iran, which sent oil prices skyrocketing. The bigger blow was a series of sharp interest-rate increases by the Federal Reserve, meant to snap inflation. Home sales plummeted. At their worst, they were 30 percent lower than they are even now (again, adjusted for population size). The industrial Midwest was hardest hit, and the term "Rust Belt" became ubiquitous. Many families fled south and west, helping to create the modern Sun Belt.
Nationwide, the unemployment rate rose above 10 percent in 1982, compared with 7.2 percent last month. But that rate has a couple of basic flaws, as I've discussed in previous columns. It counts people who have been forced to work part time, even though they want to work full time, as fully employed. It also considers people who have given up looking for work — so-called discouraged workers — to be no different from retirees or stay-at-home parents. They simply aren't counted.
Years ago, the Labor Department responded to criticism about these issues by creating several broader measures of joblessness. Unfortunately, they don't exist prior to 1994. But the department was doing similar work in earlier years, which allows the economists who work there to make estimates about how to compare the various survey categories over time. I took these estimates — and they are estimates, not official statistics — and created a measure of unemployment that goes back to 1970.
Including discouraged workers, the measure shows that the unemployment rate was 7.6 percent last month. Another 5.2 percent of the labor force was involuntarily working part time. These two groups bring the combined rate to 12.8 percent.
Even this is an understatement, because the Labor Department's definition of discouraged workers is a little narrow. To be counted, somebody must have looked for a job in the last year. And there appear to be several hundred thousand people — mostly men — who stopped looking for work more than a year ago but would gladly take a good-paying job if one came along. They would lift the rate above 13 percent.
As bad as the number is, it is still not that close to its 1982 peak of 16.3 percent (or anywhere near its Depression levels, which were probably above 30 percent). The early '80s really were that bad.
So why are public opinion polls showing Americans to be even gloomier about the economy today than they were back then? I think there are two main reasons.
First, the economic expansion that just ended wasn't as good as the 1970s expansions. The '70s get a bad rap, and deservedly so in many ways. But median family income still rose 2 percent during the decade, after adjusting for inflation. Over the past decade, it has fallen.
Second, people seem to understand that the worst is yet to come — that the economy has not yet worked off its excesses.
A good reminder came in a recent report on the Manhattan real estate market by Goldman Sachs. It looked at apartment prices relative to rents, incomes and mortgage rates and concluded that prices were 19 to 44 percent higher than historical norms. Jan Hatzius, Goldman's chief economist, was careful to say that prices won't necessarily drop by that much. But we should know by now that old-fashioned economic fundamentals deserve some respect.
In much of the rest of the country, home prices also still have some amount to fall. Banks still have more losses to acknowledge. Companies have more jobs to cut. Some time this year, one in six workers may find themselves unemployed or underemployed, just as was the case in 1982.
The biggest risk is that these problems will feed on themselves and make the situation even worse than now seems likely. That has been the pattern for the past year and a half. If it continues — and it will without a big stimulus package — the economy really could end up in worse shape than it's been in more than 60 years.
Money Talks-The Solution
According to the article posted above from The NY Times, the economy appears to be struggling, to say the least. What does this mean for the average person on the street? Is it a pre cursor to more doom and gloom? Is there really no hope for the future? Does it mean that you just bury your head in the sand, and give up?
Money Talks is the solution for people looking to survive in hard economic times. Money Talks will give you answers to why your money is not as stable as it used to be. Money Talks will offer solutions that you can use today, to begin the journey back into sanity, in an insane economic world. Money Talks is designed to help you know the insider secrets to the financial institutions, and how you can use that information to further your own personal cause of wealth recovery and creation.
Money Talks is not something that you join, and become instantly rich. Money Talks is education concerning current economic trends. It is an answer to the madness and misrepresentations of today's financial world. Money Talks will bring to light, the problems that we all face, and it will begin to put back, the broken pieces of the financial puzzle.
Here is the offer. Simply go to http://www.moneyteleseminars.com and listen to Dr. Raymond Jewell, the noted Senior Economist, talk about money, finances, financial institutions and how to recover lost wealth. You will never receive better information about the real story concerning money.
Monday, July 27, 2009
Money Talks and the Economy
Money Talks and the Economy
The forgettable first half of 2008 is stumbling to a close. On Friday, the Labor Department reported that American employers axed 49,000 jobs in May, the fifth straight month of job losses—an event that signals a recession sure as the glittery ball dropping on Times Square augurs a New Year. The report, which inspired a 394-point decline in the Dow Jones Industrial Average Friday, was the latest in a run of bad news. Auto sales, the largest retailing sector in the U.S., were off 10.7 percent in May from the year before. And housing? Ugh. Nationwide, according to the Case-Shiller Index, home prices in the first quarter fell 14 percent.
Yet hope springs eternal that the second half will be better than the first. Economists polled by the Federal Reserve Bank of Philadelphia in May believe the economy will grow at an annual rate of 1.7 percent and 1.8 percent in the third and fourth quarters, respectively. Lawrence Yun, chief economist at the National Association of Realtors, tells NEWSWEEK that "home sales and prices in most of the country will improve during the second half of 2008." (Yun is the Little Orphan Annie of forecasters. He's always sure the sun will come out tomorrow.) Last month, Treasury Secretary Henry Paulson said, "We expect to see a faster pace of economic growth before the end of the year."
The cause for optimism: the U.S. has called in the economic cavalry, which has responded in textbook fashion. The Federal Reserve has aggressively cut interest rates, bringing the Federal Funds rate down from 5.25 percent last September to 2 percent. Earlier this spring, Congress and President Bush, in a rare moment of bipartisan accord, passed a stimulus package, which will shove nearly $100 billion into the pockets of American consumers by mid-July.
But this downturn is likely to last longer than the eight-month-long recession of 2001. While the U.S. financial system processes popped stock bubbles quickly, it has always taken longer to hack through the overhang of bad debt. The head winds that drove the economy into this dead calm— a housing and credit crisis, and rising energy and food prices—have strengthened rather than let up in recent months. To aggravate matters, the twin crises that dominate the financial news—a credit crunch and the global commodity boom—are blunting the stimulus efforts. As a result, the consumer-driven economy may not bounce back as rapidly as it did in the fraught months after 9/11.
As it seeks to regain its footing in the second half, the U.S. economy faces two significant obstacles, neither of which was evident in 2001. The first is entirely homegrown: the self-inflicted wounds of the promiscuous extension and abuse of credit in the housing and financial sectors. The second is a global phenomenon that has comparatively little to do with American behavior: rampant inflation in commodities such as oil, food and steel. These trends have conspired to inflict genuine economic pain and deflate consumer confidence. The Conference Board's Consumer Confidence Index in May slumped to a 16-year low.
While the treatment of the current malaise has been essentially identical to the reaction to the 2001 slump—aggressive Federal Reserve rate cuts and tax rebates—the symptoms are quite different. In 2001, an implosion in the technology sector and a slump in business investment pushed the economy over the edge. Even though some 3 million jobs were shed between 2001 and 2003, consumers soldiered on through the downturn. "We had a massive reduction in both long- and short-term interest rates, which set off the housing and consumption boom," says Ian Morris, chief U.S. economist at HSBC. (Remember zero-percent car loans?) This time, it's the opposite. While businesses—especially those that export—are holding up, the economy is being dragged down by the cement shoes of a freaked-out consumer and a punk housing market.
The difficulties today start—as they began last year—with housing and housing-related credit. Last Thursday, the Mortgage Bankers Association quarterly report showed that the percentage of mortgage borrowers behind on their payments—6.35 percent—was the highest since the MBA began tracking the number in 1979. It's not just subprime. In the first quarter of 2008, 36 percent of all foreclosures initiated were on prime adjustable-rate mortgages in California. Mark Zandi, chief economist of Moody's Economy.com, says the decline in home prices has slashed $2.5 trillion from household wealth, or about $25,000 per homeowner. The fall has also removed an important source of support for consumer spending, as Americans who grew accustomed to borrowing against rising home equity to finance car purchases or vacations now find themselves bereft. Banks are extricating themselves from the home-equity-line-of-credit business in the same way college students get themselves out of relationships gone bad: abruptly. Judi Froning, a second-grade teacher in San Diego, was surprised last week when she received a letter from Chase informing her that it was terminating her untapped HELOC. "In the light of declining home values, they said they are stopping, effective May 31, any draw on my line of credit," she says.
Despite repeated claims that the damage has been contained, the banks that recklessly financed the housing boom—and then traded mortgage debt even more recklessly—are still cleaning up the mess. But it turns out (surprise!) the same sort of clouded judgment led banks to excesses in commercial lending, and in loans to private-equity firms. The battered financial system, which has raised tens of billions of dollars on onerous terms from new investors to shore up balance sheets, is still likely to suffer more pain from the popped credit bubble, said Bruce Wasserstein, the CEO of the investment bank Lazard, speaking at a New York breakfast. "The harm will radiate for another year." The latest victim: Wachovia CEO G. Thompson Kennedy, cashiered after the North Carolina-based bank suffered a string of losses. Next up: write-offs for bad credit-card and commercial real-estate debt. After a serene period between 2004 and '07 in which the Federal Deposit Insurance Corp. went without a single bank failure, four have gone under so far this year. FDIC chairperson Sheila Bair warned of the "possibility that future failures could include institutions of greater size than we have seen in the recent past." In preparation, the agency has brought staffers out of retirement.
Money Talks The Solution
Now, after seeing the report from Newsweek above, there is good news on the horizon. Money Talks is designed to assist, mentor, inform and educate you in the ways that will help you protect yourself in this economy. Money Talks is a no-nonsense business program, designed by Dr. Raymond Jewell, that is making huge statements towards telling people the solutions to their money and financial problems.
Money Talks is free to join. The Money Talks Newsletter comes loaded with massive amount of information that you can use to help you begin to understand more fully, the ins and outs of financial institutions, government and will unlock the mystery surrounding the little known substance of wealth recovery.
Now is the perfect time to view the Money Talks site. With all the doom and gloom in the world of economic news, there is a way out of the jungle. Money Talks will begin the process, BUT, only if you choose to get the information provided. We can only help, if you are willing to become proactive in your approach to your particular financial position.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
The forgettable first half of 2008 is stumbling to a close. On Friday, the Labor Department reported that American employers axed 49,000 jobs in May, the fifth straight month of job losses—an event that signals a recession sure as the glittery ball dropping on Times Square augurs a New Year. The report, which inspired a 394-point decline in the Dow Jones Industrial Average Friday, was the latest in a run of bad news. Auto sales, the largest retailing sector in the U.S., were off 10.7 percent in May from the year before. And housing? Ugh. Nationwide, according to the Case-Shiller Index, home prices in the first quarter fell 14 percent.
Yet hope springs eternal that the second half will be better than the first. Economists polled by the Federal Reserve Bank of Philadelphia in May believe the economy will grow at an annual rate of 1.7 percent and 1.8 percent in the third and fourth quarters, respectively. Lawrence Yun, chief economist at the National Association of Realtors, tells NEWSWEEK that "home sales and prices in most of the country will improve during the second half of 2008." (Yun is the Little Orphan Annie of forecasters. He's always sure the sun will come out tomorrow.) Last month, Treasury Secretary Henry Paulson said, "We expect to see a faster pace of economic growth before the end of the year."
The cause for optimism: the U.S. has called in the economic cavalry, which has responded in textbook fashion. The Federal Reserve has aggressively cut interest rates, bringing the Federal Funds rate down from 5.25 percent last September to 2 percent. Earlier this spring, Congress and President Bush, in a rare moment of bipartisan accord, passed a stimulus package, which will shove nearly $100 billion into the pockets of American consumers by mid-July.
But this downturn is likely to last longer than the eight-month-long recession of 2001. While the U.S. financial system processes popped stock bubbles quickly, it has always taken longer to hack through the overhang of bad debt. The head winds that drove the economy into this dead calm— a housing and credit crisis, and rising energy and food prices—have strengthened rather than let up in recent months. To aggravate matters, the twin crises that dominate the financial news—a credit crunch and the global commodity boom—are blunting the stimulus efforts. As a result, the consumer-driven economy may not bounce back as rapidly as it did in the fraught months after 9/11.
As it seeks to regain its footing in the second half, the U.S. economy faces two significant obstacles, neither of which was evident in 2001. The first is entirely homegrown: the self-inflicted wounds of the promiscuous extension and abuse of credit in the housing and financial sectors. The second is a global phenomenon that has comparatively little to do with American behavior: rampant inflation in commodities such as oil, food and steel. These trends have conspired to inflict genuine economic pain and deflate consumer confidence. The Conference Board's Consumer Confidence Index in May slumped to a 16-year low.
While the treatment of the current malaise has been essentially identical to the reaction to the 2001 slump—aggressive Federal Reserve rate cuts and tax rebates—the symptoms are quite different. In 2001, an implosion in the technology sector and a slump in business investment pushed the economy over the edge. Even though some 3 million jobs were shed between 2001 and 2003, consumers soldiered on through the downturn. "We had a massive reduction in both long- and short-term interest rates, which set off the housing and consumption boom," says Ian Morris, chief U.S. economist at HSBC. (Remember zero-percent car loans?) This time, it's the opposite. While businesses—especially those that export—are holding up, the economy is being dragged down by the cement shoes of a freaked-out consumer and a punk housing market.
The difficulties today start—as they began last year—with housing and housing-related credit. Last Thursday, the Mortgage Bankers Association quarterly report showed that the percentage of mortgage borrowers behind on their payments—6.35 percent—was the highest since the MBA began tracking the number in 1979. It's not just subprime. In the first quarter of 2008, 36 percent of all foreclosures initiated were on prime adjustable-rate mortgages in California. Mark Zandi, chief economist of Moody's Economy.com, says the decline in home prices has slashed $2.5 trillion from household wealth, or about $25,000 per homeowner. The fall has also removed an important source of support for consumer spending, as Americans who grew accustomed to borrowing against rising home equity to finance car purchases or vacations now find themselves bereft. Banks are extricating themselves from the home-equity-line-of-credit business in the same way college students get themselves out of relationships gone bad: abruptly. Judi Froning, a second-grade teacher in San Diego, was surprised last week when she received a letter from Chase informing her that it was terminating her untapped HELOC. "In the light of declining home values, they said they are stopping, effective May 31, any draw on my line of credit," she says.
Despite repeated claims that the damage has been contained, the banks that recklessly financed the housing boom—and then traded mortgage debt even more recklessly—are still cleaning up the mess. But it turns out (surprise!) the same sort of clouded judgment led banks to excesses in commercial lending, and in loans to private-equity firms. The battered financial system, which has raised tens of billions of dollars on onerous terms from new investors to shore up balance sheets, is still likely to suffer more pain from the popped credit bubble, said Bruce Wasserstein, the CEO of the investment bank Lazard, speaking at a New York breakfast. "The harm will radiate for another year." The latest victim: Wachovia CEO G. Thompson Kennedy, cashiered after the North Carolina-based bank suffered a string of losses. Next up: write-offs for bad credit-card and commercial real-estate debt. After a serene period between 2004 and '07 in which the Federal Deposit Insurance Corp. went without a single bank failure, four have gone under so far this year. FDIC chairperson Sheila Bair warned of the "possibility that future failures could include institutions of greater size than we have seen in the recent past." In preparation, the agency has brought staffers out of retirement.
Money Talks The Solution
Now, after seeing the report from Newsweek above, there is good news on the horizon. Money Talks is designed to assist, mentor, inform and educate you in the ways that will help you protect yourself in this economy. Money Talks is a no-nonsense business program, designed by Dr. Raymond Jewell, that is making huge statements towards telling people the solutions to their money and financial problems.
Money Talks is free to join. The Money Talks Newsletter comes loaded with massive amount of information that you can use to help you begin to understand more fully, the ins and outs of financial institutions, government and will unlock the mystery surrounding the little known substance of wealth recovery.
Now is the perfect time to view the Money Talks site. With all the doom and gloom in the world of economic news, there is a way out of the jungle. Money Talks will begin the process, BUT, only if you choose to get the information provided. We can only help, if you are willing to become proactive in your approach to your particular financial position.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Sunday, July 26, 2009
Money Talks
Money Talks
In talking about money and finances, it would be noteworthy to look deeper into the aspect of money, to evaluate its importance in the mindset of individuals. There are two pervasive features that come more clearly into focus when money talks appears.
1. You have enough money to do the things you wish, buy the items you require and are basically financially sound for the future.
2. You struggle and strain to make ends meet. You work increasingly longer hours, perhaps at more than one job, but honestly, you can just never break the glass ceiling on having enough money, in your own mind, to live without stress and be comfortable in your setting.
For those of you who fall into category one, you obviously have taken time, and made the effort to understand how to make money, but more importantly, how to keep the money that you make. You are financially sound, no matter what the current economic trends happen to be. You are to be commended that you are definitely in the top 10 percent of your game, and I recommend that you keep doing exactly what it is that you do, in order to maintain that money flow.
For the people in the second group (which are most of us), you need to do some serious introspection into the problems of lack. Its a fact that lack is more mindset, than it is reality. If you have the proper mindset about money and finances, you will inevitably come out the winner. Conversely, if you have the wrong mindset, your outcome will come out exactly as you are planning it within your own mind.
Now this is not theory. This is fact. This is why Money Talks, by Dr. Raymond Jewell, may be the answer to some of the financial distresses that you now face. You see, Dr. Jewell is more than one of the best business economist in the industry. He is also a mentor and teacher in helping you to unlock your potentials, through proper thinking about any topic. His Money Talks program can, and will assist you in ways that you are not now aware of. Do not think of Money Talks as just some financial program. The benefits and solutions that you will derive, will be far ranging for you.
The only way to access the Money Talks information is to visit this site: Money Talks Here, you will begin your journey back into wealth recovery and wealth creation. Honestly, I can think of no reason why everyone on the planet would not take this incredible information and use it to their advantage.
Here are just a few items that you can learn from in the Money Talks program.
Money Talks On the homepage of Money Talks, there are three recordings, and the ability to sign up for the stimulating Money Talks Newsletter. Simply doing this, can begin the journey very successfully for you.
Money Talks Registration Here, you have the ability to register for the Money Teleseminars program. This will be yet another step in the right direction towards your personal success with money and finances.
Money Talks Discount For viewing this page, you will receive a sizable reduction in the cost of the well known Money Talks program. Taking advantage of this benefit, will be a cost effective way to become acquainted with the mentoring and teaching from Dr. Jewell.
4 Laws of Financial Institutions Here, you will learn about the 4 laws that govern all financial institutions. This newsletter will help further your cause into wealth creation and wealth recovery.
Money Talks Videos Here, you will find even more information created by Dr. Jewell concerning money and finances. He has created many videos that tell the insider secrets of the Money Talks program.
Money Talks Audios More information in audio, can lead you to understand more than you have ever known before concerning the topic of money and finances.
When you look at the Money Talks program that Dr. Jewell has put together, live on Google, it is no wonder that so many people are turning and following his teachings and trainings. As stated before, he can lead you to the door of financial success, but YOU must choose to walk through that door! Becoming educated in the ways that you are probably losing money right now, will give you the ability to become proactive in the cause of creating financial stability for you and your family.
Friday, July 24, 2009
Money Talks
Money Talks
There is so much confusion right now in the government, and with the economy as a whole, it is difficult, if not almost impossible, for people to find real information that they can use, to learn more about money, finances, and how to grow and prosper, in this dwindling economy. The news sources will tell you one story, that everything is well and growing. It is a fact; however, that your dollar that you are earning at work right now, is slowly being eaten up by factors that you may not even be aware of. The answer to the problem is Money Talks.
Money Talks tells you the real story about how their are four laws that govern the financial institutions of this country. Money Talks breaks through the mystery and confusion of financial legal double talk, and empowers individuals with the ability to learn the insider secrets of wealth recovery and wealth creation as well. Money Talks will actually tell it just exactly like it is, and from there, you make the decision on whether to become proactive in your economic life, or simply bury your head in the sand, and believe that there really is nothing that you can do to save and recover lost wealth.
Here is my offer to you today. Visit the Money Talks site today. Take some time to signup for the various newsletters and free offers that you find there. Listen to the audio recordings and absorb the knowledge that is contained within. If you like the program, and what I have to say about money and finances, then I will be pleased. If you receive the newsletters about Money Talks, and do not find value contained within, simply opt out. The choice is totally up to you in how you wish to live from today! Money Talks is hard hitting and designed for anyone wishing to improve their current economic situation.
http://www.moneyteleseminars.com
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
PS
Be sure to check out the Google Event Calendar on Internet Tales and Tips SEO Forum, and tune into my Financial Freedom Radio show!
There is so much confusion right now in the government, and with the economy as a whole, it is difficult, if not almost impossible, for people to find real information that they can use, to learn more about money, finances, and how to grow and prosper, in this dwindling economy. The news sources will tell you one story, that everything is well and growing. It is a fact; however, that your dollar that you are earning at work right now, is slowly being eaten up by factors that you may not even be aware of. The answer to the problem is Money Talks.
Money Talks tells you the real story about how their are four laws that govern the financial institutions of this country. Money Talks breaks through the mystery and confusion of financial legal double talk, and empowers individuals with the ability to learn the insider secrets of wealth recovery and wealth creation as well. Money Talks will actually tell it just exactly like it is, and from there, you make the decision on whether to become proactive in your economic life, or simply bury your head in the sand, and believe that there really is nothing that you can do to save and recover lost wealth.
Here is my offer to you today. Visit the Money Talks site today. Take some time to signup for the various newsletters and free offers that you find there. Listen to the audio recordings and absorb the knowledge that is contained within. If you like the program, and what I have to say about money and finances, then I will be pleased. If you receive the newsletters about Money Talks, and do not find value contained within, simply opt out. The choice is totally up to you in how you wish to live from today! Money Talks is hard hitting and designed for anyone wishing to improve their current economic situation.
http://www.moneyteleseminars.com
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
PS
Be sure to check out the Google Event Calendar on Internet Tales and Tips SEO Forum, and tune into my Financial Freedom Radio show!
Wednesday, July 22, 2009
Money Talks
Money Talks is the financial program designed by Dr. Raymond Jewell, the noted business economist, that will empower anyone listening, with the ability to choose their own financial destiny by utilizing proven business and financial techniques taught. Money Talks is for everyone interested in becoming more financially stable in this ever changing economy. Money Talks is free to join, and the website listed is home for many Money Talks newsletters, financial resources, and of course many recordings in audio and video format.
Dr. Jewell has commited his time and energy into bringing to the readers of Google, the very finest information concerning wealth recovery and wealth creation. His thirty plus years of being one of the highest regarded business economist, has assisted many high profile clients in saving money from his proven business models. Money Talks is a hard hitting and no nonsense program that is staged to attract over 1 million participants in the next few years.
Money Talks has far ranging help, particularly in the current economy. It is Dr. Jewell's goal in life, to help people better understand how they are losing money with the financial institutions, and how to stop that from happening to them. People who have attended the Money Teleseminars Session, come away with increased knowledge and insight that will help them in solving most of their money concerns in the upcoming years.
To sign in to Money Talks, simply go to: http://www.moneyteleseminars.com Be sure to take time to learn and take advantage of all the free money information provided in this comprehensive site. You will be learning from one of the best in the financial world, financial information that empowers you to achieve more.
Monday, July 20, 2009
Money Talks
Money Talks
Its a fact that people are somewhat stressed concerning their money and finances. I have done much research over the past 30+ years into money, finances, financial institutions, and have been able to mentor many into taking the more productive path towards financial independence and freedom.
Money talks is my own brand of offering you, the Google reader, a glimpse into the reality that you can learn to become more effective in your financial life, without having to get another job, or cut back on things that you are currently doing to make money.
Money Talks is free to join. I am offering you real time business principles that you can use to learn how your money is being used through the financial institutions, that you may not even be aware of. Money is slipping right through your hands daily, and I am here to tell you that there is a way to stop that from happening.
I chose to bring my program Money Talks to the Internet. I find that people searching for real solutions to problems will turn to Google for that information. I know that most of the things that you read from financial planners, life insurance agents and so-called financial gurus, is most digital trash. I offer my readers real information and systems that will ultimately prove valuable in your long term financial life.
Here is my offer, you can go to any of the highlighted links in this article, and optin for my information concerning Money Talks. Your private information will never be sold, nor shared in any way with others. It is simply the best way for me to keep sending you the information concerning money and finances that will help you to grow your money in a productive and pro-active way.
Join the Money Talks newsletter today, and you will receive huge benefits and solutions that will empower you with knowledge and education. Its time to learn where your money is actually going from an expert that will tell you the facts.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Its a fact that people are somewhat stressed concerning their money and finances. I have done much research over the past 30+ years into money, finances, financial institutions, and have been able to mentor many into taking the more productive path towards financial independence and freedom.
Money talks is my own brand of offering you, the Google reader, a glimpse into the reality that you can learn to become more effective in your financial life, without having to get another job, or cut back on things that you are currently doing to make money.
Money Talks is free to join. I am offering you real time business principles that you can use to learn how your money is being used through the financial institutions, that you may not even be aware of. Money is slipping right through your hands daily, and I am here to tell you that there is a way to stop that from happening.
I chose to bring my program Money Talks to the Internet. I find that people searching for real solutions to problems will turn to Google for that information. I know that most of the things that you read from financial planners, life insurance agents and so-called financial gurus, is most digital trash. I offer my readers real information and systems that will ultimately prove valuable in your long term financial life.
Here is my offer, you can go to any of the highlighted links in this article, and optin for my information concerning Money Talks. Your private information will never be sold, nor shared in any way with others. It is simply the best way for me to keep sending you the information concerning money and finances that will help you to grow your money in a productive and pro-active way.
Join the Money Talks newsletter today, and you will receive huge benefits and solutions that will empower you with knowledge and education. Its time to learn where your money is actually going from an expert that will tell you the facts.
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio
Saturday, July 18, 2009
Life Insurance-Things to Know BEFORE You Buy!
People understand these days that they could be leaving their families with a lot of problems when they die. It is very possible that the unpredictability of death would allow the people who are left behind struggling to take care of the business of fixing things and covering unfinished business of the deceased. It could be that upon the death of the deceased, they would have some difficulty paying off hospital fees, other debts of the deceased that need to be immediately paid and funeral fees. These are the kinds of problems that could prevent the family from properly mourning the loss of the loved one. In some cases, it could even tarnish the memory of he otherwise beloved family member. It is for this reason that it is a very wise choice for people to purchase a term life insurance that will cover most if not all of these tangential problems.
Term life insurance is the purest form of life insurance. It is not a permanent kind of life insurance and what differentiates it is the term. This mans that for an agreed upon term, the insured is insured against several risks that may or may not happen during term. If it does happen during the term, the insurer will then have to pay the proceeds of the term life insurance to the beneficiaries of the policy. After the term ends, the insured can drop the policy altogether and all the risks that he is insured against will no longer be compensated if it does happen. There will be no more compensation since the occurrence happened after the term. Moreover, the premiums that were paid will not revert back to the insured. There is therefore no return of insurance premiums in a term life insurance. This does not mean however that once the term ends, the person can no longer be insured. The person can be insured again by the insurer and in most cases, the term is renewed right after the end of the original term. It all depends on the agreement and the term can be continued or renewed with another payment of the insurance premiums.
Term life insurance can be very helpful for the beneficiaries of the deceased as it can cover all the miscellaneous fees that need to be taken care of upon the death of the insured. It can cover for the unreal services and the hospital expenses of the deceased and could also cover outstanding debts such as mortgages of their property. A term life insurance protects these families from the problems that they will encounter due to the death of the person and will allow them to focus on mourning the person's loss.
There are many different kinds of life insurance and some of them would prove to be equally helpful to the families. However, a term life insurance is probably the easiest to understand because of its simplicity. It is important to understand that a term life insurance is a very useful tool in protecting our loved ones from the problems that sudden death may bring. Protecting them should always be a priority.
Becoming educated in the ways of life insurance BEFORE you purchase it, is one way to assure that you are covered adequately, and that you can make your money invested work for you. Financial education and insight are necessary in learning how to further your own economic future.
Things to Learn BEFORE you purchase life insurance HERE...
Term life insurance is the purest form of life insurance. It is not a permanent kind of life insurance and what differentiates it is the term. This mans that for an agreed upon term, the insured is insured against several risks that may or may not happen during term. If it does happen during the term, the insurer will then have to pay the proceeds of the term life insurance to the beneficiaries of the policy. After the term ends, the insured can drop the policy altogether and all the risks that he is insured against will no longer be compensated if it does happen. There will be no more compensation since the occurrence happened after the term. Moreover, the premiums that were paid will not revert back to the insured. There is therefore no return of insurance premiums in a term life insurance. This does not mean however that once the term ends, the person can no longer be insured. The person can be insured again by the insurer and in most cases, the term is renewed right after the end of the original term. It all depends on the agreement and the term can be continued or renewed with another payment of the insurance premiums.
Term life insurance can be very helpful for the beneficiaries of the deceased as it can cover all the miscellaneous fees that need to be taken care of upon the death of the insured. It can cover for the unreal services and the hospital expenses of the deceased and could also cover outstanding debts such as mortgages of their property. A term life insurance protects these families from the problems that they will encounter due to the death of the person and will allow them to focus on mourning the person's loss.
There are many different kinds of life insurance and some of them would prove to be equally helpful to the families. However, a term life insurance is probably the easiest to understand because of its simplicity. It is important to understand that a term life insurance is a very useful tool in protecting our loved ones from the problems that sudden death may bring. Protecting them should always be a priority.
Becoming educated in the ways of life insurance BEFORE you purchase it, is one way to assure that you are covered adequately, and that you can make your money invested work for you. Financial education and insight are necessary in learning how to further your own economic future.
Things to Learn BEFORE you purchase life insurance HERE...
Thursday, July 16, 2009
Life Insurance-Things You Need to Know!
Buying life insurance can be a major decision, especially when you want to make sure that the policy you purchase is going to meet the specific needs of you and your family. You might decide that you don't need life insurance at all, and even if you do want to purchase a life insurance policy you'll still have to decide whether a term life policy or a whole life policy will be better for your needs. While term life insurance is quite popular, there are some benefits offered by whole life policies that term policies just can't match. Whole life insurance isn't right for everyone, so make sure that you consider some of the following items to help determine if it's right for you. Before You Purchase Life Insurance, Learn More HERE...
One of the more important things to consider when deciding whether term life insurance would be a good choice for you is whether you want your policy to serve as insurance only or whether you'd like for it to have a separate value as well. Whole life policies gain value over time due to investments, and this value can be used to secure loans in much the same way that equity loans borrow against the value of a home. Since this feature is not offered with term life insurance, if you would like for your policy to have its own value then whole life is the way to go.
Whole life policies also take care of the biggest problem with term life insurance… instead of the policy only lasting until the end of a specific period of time, your whole life policy will offer coverage to you until you pass away regardless of how long that is. This can allow you to guarantee that your family and other loved ones will be taken care of as you wish without having to worry about whether the term of your insurance will lapse before that time. If you only want your life insurance to provide coverage for you until your retirement fund kicks in or you're trying to make sure that your family will be provided for while the kids are still living at home, then you would probably better off with a term life policy.
One other factor that should be taken into consideration when deciding whether or not to buy whole life insurance is whether you can afford it or not. Whole life policies are generally more expensive than term life, and if the cost of the insurance that you buy is going to be a major factor then it's important to make sure that you can afford the whole life premiums. An increasing number of whole life policies are being offered with locked-in premium rates so that they won't continue to increase with time, but you should still make sure that you're getting a rate you'll be able to afford over the years before locking it in.
If you're still undecided as to whether you would benefit from a whole life policy or if term life would be better for you, take the time to talk to insurance agents about the differences in the policies. Express your concerns and what you're looking for and they will be able to answer your questions and provide you with additional information about whole life policies. This will help you to make an informed decision as to whether a whole life insurance policy is the right fit for your needs.
BEFORE YOU BUY LIFE INSURANCE...CLICK HERE!
One of the more important things to consider when deciding whether term life insurance would be a good choice for you is whether you want your policy to serve as insurance only or whether you'd like for it to have a separate value as well. Whole life policies gain value over time due to investments, and this value can be used to secure loans in much the same way that equity loans borrow against the value of a home. Since this feature is not offered with term life insurance, if you would like for your policy to have its own value then whole life is the way to go.
Whole life policies also take care of the biggest problem with term life insurance… instead of the policy only lasting until the end of a specific period of time, your whole life policy will offer coverage to you until you pass away regardless of how long that is. This can allow you to guarantee that your family and other loved ones will be taken care of as you wish without having to worry about whether the term of your insurance will lapse before that time. If you only want your life insurance to provide coverage for you until your retirement fund kicks in or you're trying to make sure that your family will be provided for while the kids are still living at home, then you would probably better off with a term life policy.
One other factor that should be taken into consideration when deciding whether or not to buy whole life insurance is whether you can afford it or not. Whole life policies are generally more expensive than term life, and if the cost of the insurance that you buy is going to be a major factor then it's important to make sure that you can afford the whole life premiums. An increasing number of whole life policies are being offered with locked-in premium rates so that they won't continue to increase with time, but you should still make sure that you're getting a rate you'll be able to afford over the years before locking it in.
If you're still undecided as to whether you would benefit from a whole life policy or if term life would be better for you, take the time to talk to insurance agents about the differences in the policies. Express your concerns and what you're looking for and they will be able to answer your questions and provide you with additional information about whole life policies. This will help you to make an informed decision as to whether a whole life insurance policy is the right fit for your needs.
BEFORE YOU BUY LIFE INSURANCE...CLICK HERE!
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