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Тема: Рецессия?-как ощущается?

  1. #11
    Гражданин Аватар для taralex
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    Ответ: Рецессия?-как ощущается?

    Цитата Сообщение от olenka-by Посмотреть сообщение
    Привыкшая, что цены могут только повышаться, я нахожусь в некотором замешательстве, когда вижу как цены на бензин падают-сейчас 3.19. А т.к. к большим бизнесам я никак не принадлежу, то рецессия на мне особо и не ощущается.
    Странно, а в мичгане наоборот, вырос бензин. На прошлой неделе было 2.75, а сегодня меньше чем 3.09 за регулар не найти...


  2. Бронирование Отелей в США
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  3. #12
    Гражданин Аватар для Sergiy
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    Ответ: Рецессия?-как ощущается?

    А у меня другой вопрос, может кто посоветует.
    Пришло время переоформлять вклады в банке, есть небольшая сумма ... Деньги в Евро. Вопрос в том : что посоветуете в какой валюте лучше хранить на депозите в долларах или евро в этом году? В прошлом году евро сильно подрос по отношению к доллару, но сейчас читаю :Усредненный прогноз опрошенных Bloomberg экспертов - укрепление доллара по отношению к евро на 7% в 2008 г.
    Вот и думаю, как мою скромную (совсем скромную) сумму по американским меркам сохранить с меньшими потерями?
    Всё, чего вы хотите придет к вам, если вы будете готовиться к этому.

  4. #13
    Гражданин
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    Ответ: Рецессия?-как ощущается?

    Цитата Сообщение от sergiy Посмотреть сообщение
    А у меня другой вопрос, может кто посоветует.
    Пришло время переоформлять вклады в банке, есть небольшая сумма ... Деньги в Евро. Вопрос в том : что посоветуете в какой валюте лучше хранить на депозите в долларах или евро в этом году? В прошлом году евро сильно подрос по отношению к доллару, но сейчас читаю :Усредненный прогноз опрошенных Bloomberg экспертов - укрепление доллара по отношению к евро на 7% в 2008 г.
    Вот и думаю, как мою скромную (совсем скромную) сумму по американским меркам сохранить с меньшими потерями?
    вопрос хороший...подбросьте монетку: орёл - в долларах, решка - в евро

    часто слышу советы половинить вклады (50% в долларах, 50 - в евро) - типа ничего не заработаете, но и ничего не потеряете.

    но нету стопроцентно верного ответа на Ваш вопрос, sergiy, увы...

  5. #14
    Гражданин Аватар для Clef
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    Ответ: Рецессия?-как ощущается?

    Цитата Сообщение от sergiy Посмотреть сообщение
    А у меня другой вопрос, может кто посоветует.
    Пришло время переоформлять вклады в банке, есть небольшая сумма ... Деньги в Евро. Вопрос в том : что посоветуете в какой валюте лучше хранить на депозите в долларах или евро в этом году? ?
    не угадаете , следить надо непрерывно
    если остаетесь в Украине оставляйте в евро
    если собираетесь в штаты следите за курсом
    чтобы продать с максимальной выгодой .

  6. #15
    Администратор Аватар для Ильич
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    Ответ: Рецессия?-как ощущается?

    Вот продолжение разговора

    http://www.msnbc.msn.com/id/23572266/

    Economists see U.S. avoiding recession
    Downturn still seen possible if housing crisis deepens

    LOS ANGELES - The U.S. economy will suffer as the slumping housing market eats away at job creation and consumer spending, but the nation should avoid slipping into a recession this year, according to a new economic report.

    A recession could still happen though, if the credit crisis that has stifled the housing market deepens, preventing consumers from buying big-ticket items like cars and businesses from spending on equipment, according to the quarterly Anderson Forecast by the University of California at Los Angeles.

    "We don't see that happening," said Edward Leamer, director and co-author of the forecast released Tuesday. "This is a tough call, but I will be very surprised if this thing actually precipitates into recession."


    The forecast anticipates job growth remaining sluggish in 2008, with the U.S. unemployment rate rising to 5.5 percent by the end of the year. The February rate was 4.8 percent.

    The forecast expects the economy to post gross domestic product growth of about 1.5 percent this year, rising to about 3 percent growth in 2009. GDP grew 2.2 percent in 2007, the weakest showing in five years.

    The no-recession forecast runs counter to the outlook among many economists and financial pundits, who contend the economy has already started to shrink amid rising unemployment, job losses, record oil prices, and the lingering effects of the housing and credit crises.

    The U.S. lost 63,000 payroll jobs last month, the second consecutive month of job losses. The last time the U.S. posted a two-month drop in payroll jobs was in 2003, when employers were still struggling through the aftermath of the 2001 recession.

    Leamer said the nation may be experiencing negative economic growth in the current quarter. Economists generally look for at least two consecutive quarters of negative growth before they make a recession determination.

    The biggest risk of recession comes from the credit crisis that emerged last year as home values began to tumble and the number of mortgage defaults and foreclosures soared, the economist said.

    Major financial institutions were racked by credit losses as the value of securities backed by mortgages sank, causing the traditional outlet through which banks borrow money to seize up.

    The credit woes have deepened the housing slump, making it harder for would-be homeowners to borrow money and for homeowners to refinance. But consumer spending, while weakened, hasn't declined severely due to credit problems, Leamer notes.

    "Americans are not as wealthy as they thought they were, and that's going to factor into consumer spending going forward, but it doesn't cause a recession because consumers all realize their lack of wealth at different points in time," he said.

    Another potential factor in a recession would be widespread job losses. Leamer, who has maintained a no-recession forecast in recent quarters, said that's not likely.

    "So far the labor markets are slowing but not collapsing," he said.

    The forecast calls for the nation's housing doldrums to continue "for a long time," Leamer said.

    He expects housing starts, which fell from a high of 2.3 million units in January 2006 to 1 million units this January, to bottom out in the summer.



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    Троллей, как и тараканов, до конца извести нельзя. Избавься от одного, на его место всегда придёт новый; идиотов и социопатов очень много. Поэтому единственное верное средство от тролля - не вступая в перепалку "забанить".


  7. #16
    Администратор Аватар для Ильич
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    Re: Рецессия?-как ощущается?

    А вот ещё одно продолжение


    http://finance.yahoo.com/banking-bud...on-the-Economy


    Uncomfortable Answers to Questions on the Economy

    You have heard that Fannie and Freddie, their gentle names notwithstanding, may cripple the financial system without a large infusion of taxpayer money. You have gleaned that jobs are disappearing, housing prices are plummeting, and paychecks are effectively shrinking as food and energy prices soar. You have noted the disturbing talk of crisis hovering over Wall Street.

    Something has clearly gone wrong with the economy. But how bad are things, really? And how bad might they get before better days return? Even to many economists who recently thought the gloom was overblown, the situation looks grim. The economy is in the midst of a very rough patch. The worst is probably still ahead.


    Job losses will probably accelerate through this year and into 2009, and the job market will probably stay weak even longer. Home prices will probably keep falling, shrinking household wealth and eroding spending power.

    "The open question is whether we're in for a bad couple of years, or a bad decade," said Kenneth S. Rogoff, a former chief economist at the International Monetary Fund, now a professor at Harvard.

    Is This a Recession?

    Officially, no. The economy is not in recession until a panel at a private institution called the National Bureau of Economic Research says so. Unofficially, many economists think a recession started six or seven months ago, even as the economy has continued to expand -- albeit at a tepid pace.

    Many assume that if the economy expands at all, then it isn't a recession, but that's not true. The bureau defines a recession as "a significant decline in economic activity spread across the economy, lasting more than a few months." If enough people lose their jobs, factories stop making things, stores stop selling things, and less money lands in people's pockets, it is probably a recession.

    Whatever it is called, it is a painful time for tens of millions of people. Indeed, this may turn out to be the most wrenching downturn since the two recessions in the early 1980s; almost surely worse than the recession that ended the technology bubble at the beginning of this decade; perhaps worse than the downturn of the early 1990s that followed the last dip in real estate prices.

    But, despite what some doomsayers now proclaim, this is not the Great Depression, when unemployment spiked to 25 percent and millions of previously working people woke up in shantytowns. Not by any measure, even as your neighbors make cryptic remarks above dusting off lessons passed down from grandparents about how to turn a can of beans into a family meal.

    How Bad is Housing?

    Bad in many markets, awful in some, and still O.K. in a few.

    The downturn has its roots in the real estate frenzy that turned lonely Nevada ranches into suburban ranch homes and swampland in Florida into condominiums. Speculators drove home prices beyond any historical connection to incomes. Gravity did the rest. After roughly doubling in value from 2000 to 2005, home prices have fallen about 17 percent -- and more like 25 percent in inflation-adjusted terms -- according to the widely watched Case-Shiller index.

    Even so, most economists think house prices must fall an additional 10 to 15 percent to get back to reality. One useful measure is the relationship between the costs of buying and renting a home. From 1985 to 2002, the average American home sold for about 14 times the annual rent for a similar home, according to Moody's Economy.com. By early 2006, home prices ballooned to 25 times rental prices. Since then, the ratio has dipped back to about 20 -- still far above the historical norm.

    With mortgages now hard to obtain and speculation no longer attractive, arithmetic has replaced momentum as the guiding force for housing prices. The fundamental equation points down: Even as construction grinds down, there are still many more houses on the market than there are people to buy them, and more on the way as more homeowners slip into foreclosure.

    By the reckoning of Economy.com, enough houses are on the market to satisfy demand for the next two-and-a-half years without building a single new one.

    The time it takes to sell a newly completed house has expanded from an average of four months in 2005 to about nine months, according to analysis by Dean Baker, co-director of the Center for Economic and Policy Research.

    And many sales are falling through -- more than 30 percent in some parts of California and Florida -- as buyers fail to secure financing, exacerbating the glut of homes, Mr. Baker said.

    No wonder that in Los Angeles, San Francisco, Phoenix and Las Vegas, house prices have in recent months declined at annual rates of more than 33 percent.

    When Will Banks Revive?

    So far, they have written off more than $300 billion in loans. Many experts now predict the toll will rise to $1 trillion or more -- a staggering sum that could cripple many institutions for years.

    Back when home prices were multiplying, banks poured oceans of borrowed money into real estate loans. Unlike the dot-com companies at the heart of the last speculative investment bubble, the new gold rush was centered on something that seemed unimpeachably solid -- the American home.

    But the whole thing worked only as long as housing prices rose. Falling prices landed like a bomb. Homeowners fell behind on their loans and could not qualify for new ones: There was no value left in their house to borrow against. As millions of people defaulted, the banks confronted enormous losses in a bloody period of reckoning.

    In March, the Federal Reserve helped engineer a deal for JPMorgan Chase to buy troubled investment bank Bear Stearns. Many assumed the worst was over. But, this month, the open distress of Fannie Mae and Freddie Mac -- two huge, government sponsored institutions that together own or guarantee nearly half of the nation's $12 trillion in outstanding mortgages -- sent a signal that more ugly surprises may lie in wait.

    To calm markets, the government last weekend hurriedly put together a rescue package for Fannie and Freddie that, if used, could cost as much as $300 billion. The urgent need for a rescue -- together with another round of billion-dollar write-offs on Wall Street -- has unnerved economists and investors.

    "I was a relative optimist, but I've certainly become more pessimistic," said Alan S. Blinder, an economist at Princeton, and a former vice chairman of the board of governors at the Federal Reserve. "The financial system looks substantially worse now than it did a month ago. If the Freddie and Fannie bailout were to fail, it could get a hell of a lot worse. If we get more bank failures, we have the possibility of seeing more of these pictures of people standing in line to pull their money out. That could really scare consumers."

    In one respect, Mr. Blinder added, this is like the Great Depression. "We haven't seen this kind of travail in the financial markets since the 1930s," he said.

    More than two years ago, Nouriel Roubini, an economist at the Stern School of Business at New York University, said that the housing bubble would give way to a financial crisis and a recession. He was widely dismissed as an attention-seeking Chicken Little. Now, Mr. Roubini says the worst is yet to come, because the account-squaring has so far been confined mostly to bad mortgages, leaving other areas remaining -- credit cards, auto loans, corporate and municipal debt.

    Mr. Roubini says the cost of the financial system's losses could reach $2 trillion. Even if it's closer to $1 trillion, he adds, "we're not even a third of the way there."

    Where will the banks raise the huge sums needed to replenish the capital they have apparently lost? And what will happen if they cannot?

    The answers to these questions are unknown, an unsettling void that holds much of the economy at a standstill.

    "We're in a dangerous spot," said Andrew Tilton, an economist at Goldman Sachs. "The big threat is more capital losses."

    Banks are a crucial piece of the economy's arterial system, steering capital where it is needed to fuel spending and power growth. Now, they are holding tight to their dollars, starving businesses of loans they might use to expand, and depriving families of money they might use to buy houses and fill them with furniture and appliances.

    From last June to this June, commercial bank lending declined more than 9 percent, according to an analysis of Federal Reserve data by Goldman Sachs.

    "You have another wave of anxiety, another tightening of credit," said Robert Barbera, chief economist at the research and trading firm ITG. "The idea that we'll have a second half of the year recovery has gone by the boards."

    Is My Job Safe?

    Economic slowdowns always mean job losses. Unemployment already has risen, and almost certainly will increase more.

    The first signs of distress emerged in housing. Construction companies, real estate agencies, mortgage brokers and banks began laying people off. Next, jobs started being cut at factories making products linked to housing, from carpets and furniture to lighting and flooring.

    But as the real estate bust spilled over into the broader economy, depleting household wealth, the impacts rippled out to retailers, beauty parlors, law offices and trucking companies, inflicting cutbacks throughout the economy, save for health care, farming and energy. Over the last six months, the economy has shed 485,000 private sector jobs, according to the Labor Department. Many people have seen hours reduced.

    The unemployment rate still remains low by historical standards, at 5.5 percent. And so far, the job losses -- about 65,000 a month this year -- do not approach the magnitude of those seen in past downturns, particularly the twin recessions at the beginning of the 1980s, when the economy shed upward of 140,000 jobs a month and the unemployment rate exceeded 10 percent.

    But Goldman Sachs assumes unemployment will reach 6.5 percent by the end of 2009, which translates into several hundred thousand more Americans out of work.

    These losses are landing on top of what was, for most Americans, a remarkably weak period of expansion. From 1992 to 2000 -- as the technology boom catalyzed spending and hiring -- the economy added more than 22 million private sector jobs. Over the last eight years, only 5 million new jobs have been added.

    The loss of work is hitting Americans along with an assortment of troubles -- gasoline prices in excess of $4 a gallon, over all inflation of about 5 percent, and declining wages.

    "In every dimension, people are worse off than they were," said Mr. Roubini, the New York University economist.

    Are Consumers Done?


    That is a major worry.

    The fate of the economy now rests on the shoulders of the American consumer, whose spending amounts to 70 percent of all economic activity.

    When people go to the mall and buy televisions and eat out, their money circulates through the economy. When they tighten their belts, austerity ripples out and chokes growth.

    Through the years of the housing boom, many Americans came to treat their homes like automated teller machines that never required a deposit. They harvested cash through sales, second mortgages and home equity lines of credit -- an artery of finance that reached $840 billion a year from 2004 to 2006, according to work by the economists James Kennedy and Alan Greenspan, the former Federal Reserve chairman. That allowed Americans to live far in excess of what they brought home from work.

    But by the first three months of this year, that flow had constricted to an annual rate of about $200 billion.

    Average household debt has swelled to 120 percent of annual income, up from 60 percent in 1984, according to the Federal Reserve.

    And now the banks are turning off the credit taps.

    "Credit is going to remain tight for a time potentially measured in years," said Mr. Tilton, the Goldman Sachs economist.

    This is the landscape that has so many economists convinced that consumer spending must dip, putting the squeeze on the economy for several years.

    "The question is, will it get as bad as the 1970s?" asked Mr. Rogoff, recalling an era of spiking gas prices and double-digit inflation.

    Long term, Americans may have no choice but to spend less, save more and reduce debts -- in short, to live within their means.

    "We're getting a lot of the adjustment and it hurts," said Kristin Forbes, a former member of the Council of Economic Advisers under President George W. Bush, and now a scholar at M.I.T.'s Sloan School of Management. "But it's an adjustment we're going to have to make."

    Who's to Blame?


    There is plenty to go around.

    In the estimation of many economists, it starts with the Federal Reserve. The central bank lowered interest rates following the calamitous end of the technology bubble in 2000, lowered them more after the terrorist attacks of Sept. 11, 2001, and then kept them low, even as speculators began to trade homes like dot-com stocks.

    Meanwhile, the Fed sat back and watched as Wall Street's financial wizards engineered diabolically complicated investments linked to mortgages, generating huge amounts of speculative capital that turned real estate into a conflagration.

    "At the end of this movie, it's clear that the Fed will have to care about excesses," Mr. Barbera said.

    Prices multiplied as many homeowners took on more property than they could afford, lured by low introductory interest rates that eventually reset higher, sending many people into foreclosure.

    Mortgage brokers netted commissions as they lent almost indiscriminately, offering exotically lenient terms -- no money down, no income or job required. Wall Street banks earned billions selling risky mortgage-linked securities around the world, aided by ratings agencies that branded them solid.

    Through it all, a lot of ordinary Americans borrowed a lot more money then they could afford to pay back, running up enormous credit card bills and borrowing against the value of their homes. Now comes the day of reckoning.


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    Троллей, как и тараканов, до конца извести нельзя. Избавься от одного, на его место всегда придёт новый; идиотов и социопатов очень много. Поэтому единственное верное средство от тролля - не вступая в перепалку "забанить".


  8. #17
    Модератор Аватар для Lucy
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    Re: Ответ: Рецессия?-как ощущается?

    Цитата Сообщение от Lucy Посмотреть сообщение
    Для меня нынешний кризис проявляется в том, что появилось гораздо больше обьявлений людей, умоляющих усыновить их собак/кошек, так как они потеряли свой дом и вынуждены переехать в квартиры, которые не пускают животных.
    добавлю. Теперь и мы начинаем терять работы.
    И те, кто сдает домики во Флориде, сдают их намного дешевле - лишь бы хоть кто-то арендовал. Видимо, мало желающих приехать в отпуск во ФЛ - бензин дорогой, работы нет, денег нет.

  9. #18
    Гражданин Аватар для criticus
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    Re: Ответ: Рецессия?-как ощущается?

    Цитата Сообщение от Lucy Посмотреть сообщение
    добавлю. Теперь и мы начинаем терять работы.
    И те, кто сдает домики во Флориде, сдают их намного дешевле - лишь бы хоть кто-то арендовал. Видимо, мало желающих приехать в отпуск во ФЛ - бензин дорогой, работы нет, денег нет.
    Аж страшно читать. Но все-таки в сравнении со странами бСССР в Америке жить хорошо, и это не может не радовать

  10. #19
    Гражданин Аватар для ДимДим
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    Re: Рецессия?-как ощущается?

    Работаю на фирму Toll Brothers - строительная, и недавно разговаривал с одним менеджером, так вот, у них вполне реальные сокращения штатов. Сначала сократили тех, чьи функции могли выполнять другие, чьи функции дублировались и т.п. теперь сокращают по тиху в зависимости от стажа.... короче есть последствия кризиса. В основном отходят от строительства дешевых домов, а ориентируются на дорогие... меньше стали делать сайдинга, больше стакко (эти дома дороже)... удешевили изоляцию в домах, короче всеми путями уменьшают себестоимость, и это понятно...... Как они говорят, в нормальное русло все войдет не раньше весны следующего года......
    Вот так....)))

  11. #20
    Постоянный резидент Аватар для Reggy1
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    Re: Рецессия?-как ощущается?

    Booking.com
    Даа, как-то кисло.
    Надеюсь, что эта рецессия не затянется.

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