THey never save a penny. IN 2005 americans’ personal savings rate dipped into negative region, minus 0. 5 percent, anything that has not happened since the great blues. THis means that americans not only spent all of their after tax income last year but had to addendum lending unless they had savings to wipe out. THe savings rate has been anti for an entire year only twice before, in 1932 and 1933, two years when the country was struggling to cope with the great melancholy, a time of massive activities collapses and job layoffs. WOrse yet, they’ve loaded up on credit card debt including accommodate debt. THeir adjustable house payment will go up like crazy at the very same time their house loses value. DO you think they’re going to tough it out and carry on to make those payments?DOn’t count on it. MOst of them couldn’t do it if they tried. IN fact, millions will lose their jobs as the economy turns down. 40 percent of the new jobs in this country in the last few years have been housing related. THose jobs will disappear. LOok for a huge, huge wave of eliminations. DEsperate homeowners will load up the dates, hand the keys to the lender and drive away. WHat’s more, they’ll do it by the millions, delivery down the world’s biggest pecuniary foundations and crashing the stock exchange while they’re at it. THe wall street journal says, “in recent years, the housing diligence has bent over backward to allow people. TO buy houses they couldn’t previously afford. NOw the bill is coming due. ” money bullet reports that home prices are going up five times as fast as particular income. “In fact, the market could not have run this far if not for the proliferation of care only credits, which make it possible for people to attainment more home than they could diversely afford. ” forbes warns, “get out now, because house prices on the urban coasts have peaked. THat’s the accord of experts, based on ratios such as house prices to local incomes. RIsing interest rates have started to put the brakes on house admiration. THe number of ‘for sale’ signs in california is exploding like spring pollen. ” and the daily account says, “fannie mae and freddie mac are the lenders behind $4 trillion of housing loans. THese constitutions are guilty of manipulations that make the folks at enron look like a bunch of boy scouts.
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