America In Decline - It's Now Official

After markets closed on Friday, Standard & Poor's widely expected to announce that they are appropriate and AA + United States credit rating is low and its negative future outlook remained constant.

There is no great surprise. If my family had an income of $ 100,000 and $ 142,000 spent year after year, the credit, I would not expect to maintain 820 credit score. Pretty basic stuff. And the credit agencies had the manpower to monitor my wife and I guessed that my income stream approach was flat at best, that we had no intention of spending or debt arbitration, and a few kids in college Every word was ready to enter the credit bureau to credit card I will bite.

That's where America is today. Gross Domestic Product (GDP) growth is essentially flat, expenses continue to rise, and college-bound kids' baby boomers retiring and 10,000 clips a day are entering the Medicare and Social Security rolls.

S & P looked at the landscape and that America is less credit worthy. Duh. And AA + Will not last long - the future downgrades in the near future as long as fiscal policy stalemate will be broken. I'm 45 in January 2013 before sitting president can not see that happening - I hope I'm wrong.

Unprecedented in recent years has become an all too familiar words. Unprecedented expenses, loans, bailouts, regulations, market intervention - you name it, we have it. If you have a road map showing you how an economy dominated by trade, developed for the accident and to dishearten the people, we have to follow it at every turn.

Even if we start making some good decisions - we will be a great improvement in the long run.

First, the U.S. consumer de-leveraging and will continue to do so for many more years. And his aversion to debt will likely have to consider post-Depression era, a new generation to approach. It's a good thing for American families, a debt-funded consumer spending will be a drag on the economy.

The second housing, will go nowhere fast. There is somewhere between 4 and 6 million houses sitting in the shade - a large percentage will find their way into the foreclosure process. This overhang will continue to depress home prices for the foreseeable future. As a result, construction trades and related content producers will severely depressed levels.

Third, auto, equipment, furniture and big-ticket items such as delays due to fear and uncertainty for consumers to stay soft, tight credit markets and a credit against the headwinds will add consumer mood.



Fifth, interest rates are sure to increase over time. Higher rates make credit more expensive, family, business, and government spending affect the same. Federal level, our talented money managers in our short-term instruments, mainly long-term despite the historically low rates. So, as we roll over our debt, our interest expense on our budget quickly can become a big drag.

Sixth, the mood of the business is investing in this country. Once you look beyond the administration's business friends - GE, GM, or crony capitalists like Google - you get all those business leaders, large and small companies, in their enterprises a lot of fear for life. Listen to Steve Wynn - and she is a Democrat. The government is unfriendly to business and so much uncertainty and fluidity that is sitting on the edge of the expansion are the only appropriate response is made. And until sanity is restored in Washington, DC, this trend will continue. If not for a growing gross domestic product to look or quick hiring anytime soon. Will be poor and the attendant stress of unemployment and unemployment no longer pay taxes or spending, and instead unemployment benefits, food stamps, drawings and forth federal, state and local budgets will swamp.

The only silver lining I see is that large and mid-cap companies are weak and their balance sheets are in excellent condition. If at some future date to present a friendlier environment in America, these players will be ready to respond.

That will change our approach? One political and the economic sea change is ahead? On that question, I vacillate from day to day, and sometimes hour by hour. I could argue both sides easily.And many have found their voice in political forums. However, the majority of Americans suffer from lack of understanding of who we are and what we as a nation and a people made special.tipping point has arrived. These people from the government vote more or less dollars and giveaways? I think the answer is very clear.

So, in a nutshell is the dilemma. We have a dysfunctional, polarized ideological government. We almost insurmountable economic headwinds (mostly government-imposed) is. We are a financially illiterate people in the majority and we now have a lazy class. We have a class war, anti-business, anti-free market, anti-American values ​​we share the president daily. And fear and uncertainty reign supreme. In all, the bleak picture painted of our nation and its future prospects.

As Maggie Thatcher said, "The only problem with socialism is that eventually you run out of other people's money." In our case, we simply run out of our money, but also the future of our children and grandchildren money. Chinese, Japanese, Saudi, and others - not to mention those who hold our country hostage.

I'm not smart enough to figure all of this is the endgame.I think with some certainty that we also rise as the pain and fear, can doubt that people will get angry. Fast and furious play badly.

Meanwhile, today, search your soul and decide who you are and what you value. Consider what effect your family and how well prepared you may improve the likelihood that the weather has a profound. Grab your family and support each other the best as you can. What's going on with your children to talk about.If you have not already, get to know your neighbors. Friends, family, church, and neighbors - times are tough, and we hang on and we need to rely on them.

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