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Image | This Financial Crisis Will Be 10x Worse Than 2008
This Financial Crisis Will Be 10x Worse Than 2008
by Chris Martenson

The financial crisis now breaking will be ten times worse than 2008. It will need its own name, perhaps the Extremely Great Financial Crisis. Stocks, bonds, commodities, real estate, mortgages, corporate financial outlooks…are all tanking. The dollar is spiking. Layoffs are growing. Markets are imploding. What is going on? We have a liquidity crisis that…
This Financial Crisis Will Be 10x Worse Than 2008
 by Chris Martenson

The financial crisis now breaking will be ten times worse than 2008. It will need its own name, perhaps the Extremely Great Financial Crisis. Stocks, bonds, commodities, real estate, mortgages, corporate financial outlooks…are all tanking. The dollar is spiking. Layoffs are growing. Markets are imploding. What is going on? We have a liquidity crisis that…
Image | Home Prices: Downhill From Here
Home Prices: Downhill From Here
by Adam Taggart

As we look into the future, we see a high risk of the world money supply increasing further. Or put in layman’s terms, your money being devalued by rampant inflation.

But odds are high we won’t simply ride up the inflation curve in a straight line from here.

Deflationary corrections, perhaps severe ones, will punctuate the process. And when they do, windows of very attractive investment opportunities will open.

Take real estate; which appears to entering the start of a correction now.
Home Prices: Downhill From Here
 by Adam Taggart

As we look into the future, we see a high risk of the world money supply increasing further. Or put in layman’s terms, your money being devalued by rampant inflation.

But odds are high we won’t simply ride up the inflation curve in a straight line from here.

Deflationary corrections, perhaps severe ones, will punctuate the process. And when they do, windows of very attractive investment opportunities will open.

Take real estate; which appears to entering the start of a correction now.
Image | Fun With Numbers
Fun With Numbers
by Adam Taggart

If you've not been watching our Real Estate investing webinar series, you're missing out on a wealth of learning.

Our last episode, Episode #3, received rave reviews. It was a 2-hour romp through the math involved in valuing real estate property. Russell Gray does an excellent job de-mystifying the numbers for newbies and the math-phobic, walking through the calculations and showing how virtually anyone can derive empirical answers to questions like:

  • What's a fair value for this property? Is it under/overvalued?
  • What's my expected return if I purchase this property?
  • What are the investments can I make that will have the biggest impact on increasing my equity? Or my income?

Don't forget to register for our upcoming Episode #4, in which Russ will build on his earlier material, explaining how to secure capital for investment property, how leverage can be used (prudently, not recklessly) to increase your returns, and what tax implications (and often benefits) to expect.

Fun With Numbers
 by Adam Taggart

If you've not been watching our Real Estate investing webinar series, you're missing out on a wealth of learning.

Our last episode, Episode #3, received rave reviews. It was a 2-hour romp through the math involved in valuing real estate property. Russell Gray does an excellent job de-mystifying the numbers for newbies and the math-phobic, walking through the calculations and showing how virtually anyone can derive empirical answers to questions like:

  • What's a fair value for this property? Is it under/overvalued?
  • What's my expected return if I purchase this property?
  • What are the investments can I make that will have the biggest impact on increasing my equity? Or my income?

Don't forget to register for our upcoming Episode #4, in which Russ will build on his earlier material, explaining how to secure capital for investment property, how leverage can be used (prudently, not recklessly) to increase your returns, and what tax implications (and often benefits) to expect.

Image | How Much Longer Can Our Unaffordable Housing Prices Last?
How Much Longer Can Our Unaffordable Housing Prices Last?
by charleshughsmith

Markets discover price via supply and demand: Big demand + limited supply = rising prices. Abundant supply + sagging demand = declining prices.

Eventually, prices rise to a level that is unaffordable to the majority of potential buyers, with demand coming only from the wealthy. That’s the story of housing in New York City, the San Francisco Bay Area and other desirable locales that are currently magnets for global capital.
How Much Longer Can Our Unaffordable Housing Prices Last?
 by charleshughsmith

Markets discover price via supply and demand: Big demand + limited supply = rising prices. Abundant supply + sagging demand = declining prices.

Eventually, prices rise to a level that is unaffordable to the majority of potential buyers, with demand coming only from the wealthy. That’s the story of housing in New York City, the San Francisco Bay Area and other desirable locales that are currently magnets for global capital.
How The Federal Reserve Is Purposely Attacking Savers
by Chris Martenson

There's something we 'regular' citizens wrestle with that the elites never seem to: a sense of moral duty.

In a perfect world, we would honor our debts and obligations, every one of us. But the world is an imperfect place ,and moral obligation is something that almost never enters into the decision matrix of our society's richest. Or the banking industry.
How The Federal Reserve Is Purposely Attacking Savers
 by Chris Martenson

There's something we 'regular' citizens wrestle with that the elites never seem to: a sense of moral duty.

In a perfect world, we would honor our debts and obligations, every one of us. But the world is an imperfect place ,and moral obligation is something that almost never enters into the decision matrix of our society's richest. Or the banking industry.
Image | The US Housing Market’s Darkening Data
The US Housing Market’s Darkening Data
by Brian Pretti

The more we look at today's data, the more it looks like that we are in a new type of pricing cycle — one that homeowners and housing investors have no prior experience with.

And the more we learn about the fundamentals underlying the current cycle, the harder it becomes to justify today's home prices on any sustained level. Meaning a downward reversion in home values is very probable in the coming years.
The US Housing Market’s Darkening Data
 by Brian Pretti

The more we look at today's data, the more it looks like that we are in a new type of pricing cycle — one that homeowners and housing investors have no prior experience with.

And the more we learn about the fundamentals underlying the current cycle, the harder it becomes to justify today's home prices on any sustained level. Meaning a downward reversion in home values is very probable in the coming years.
Image | The Fed Matters Much Less Than You Think
The Fed Matters Much Less Than You Think
by charleshughsmith

This lemming-like belief in the power of the Federal Reserve generates its own psychological force field, of course; the actual power of the Fed is superseded by the belief in its power. We can thus anticipate widespread disbelief at the discovery that the Fed is either irrelevant or an impediment to the non-asset-bubble parts of the economy.
The Fed Matters Much Less Than You Think
 by charleshughsmith

This lemming-like belief in the power of the Federal Reserve generates its own psychological force field, of course; the actual power of the Fed is superseded by the belief in its power. We can thus anticipate widespread disbelief at the discovery that the Fed is either irrelevant or an impediment to the non-asset-bubble parts of the economy.
Image | Housing Prices Are Being Dangerously Distorted By Big Institutional Money
Housing Prices Are Being Dangerously Distorted By Big Institutional Money
by Adam Taggart

The airwaves are full of stories of economic recovery. One trumpeted recently has been the rapid recovery in housing, at least as measured in prices.

The problem is: a good portion of the rebound in house prices in many markets has less to do with renewed optimism, new jobs, and rising wages, and more to do with big money investors fueled by the ultra-cheap money policies of the Fed.
Housing Prices Are Being Dangerously Distorted By Big Institutional Money
 by Adam Taggart

The airwaves are full of stories of economic recovery. One trumpeted recently has been the rapid recovery in housing, at least as measured in prices.

The problem is: a good portion of the rebound in house prices in many markets has less to do with renewed optimism, new jobs, and rising wages, and more to do with big money investors fueled by the ultra-cheap money policies of the Fed.
Image | The Unsafe Foundation of Our Housing ‘Recovery’
The Unsafe Foundation of Our Housing ‘Recovery’
by charleshughsmith

What could go wrong with the housing 'recovery' in 2013?

To answer this question, we need to understand that housing is the key component in household wealth. And, that Central Planning policies are aimed at creating a resurgent “wealth effect,” as follows: When people perceive their wealth as rising, they tend to borrow and spend more freely. This is a major goal of U.S. Central Planning.

Another key goal of Central Planning is to strengthen the balance sheets of banks and households. And the broadest way to accomplish this is to boost the value of housing. This then adds collateral to banks holding mortgages and increases the equity of homeowners.

Some analysts have noted that housing construction and renovation has declined to a modest percentage of the gross domestic product (GDP). This perspective understates the importance of the family house as the largest asset for most households and housing’s critical role as collateral in the banking system.
The Unsafe Foundation of Our Housing ‘Recovery’
 by charleshughsmith

What could go wrong with the housing 'recovery' in 2013?

To answer this question, we need to understand that housing is the key component in household wealth. And, that Central Planning policies are aimed at creating a resurgent “wealth effect,” as follows: When people perceive their wealth as rising, they tend to borrow and spend more freely. This is a major goal of U.S. Central Planning.

Another key goal of Central Planning is to strengthen the balance sheets of banks and households. And the broadest way to accomplish this is to boost the value of housing. This then adds collateral to banks holding mortgages and increases the equity of homeowners.

Some analysts have noted that housing construction and renovation has declined to a modest percentage of the gross domestic product (GDP). This perspective understates the importance of the family house as the largest asset for most households and housing’s critical role as collateral in the banking system.
Image | 2012 Year in Review
2012 Year in Review
by David Collum

Background

I was just trying to figure it all out.

~ Michael Burry, hedge fund manager

Every December, I write a Year in Review that has now found a home at Chris Martenson’s website PeakProsperity.com.1,2,3 What started as a simple summary intended for a couple dozen people morphed over time into a much more detailed account that accrued over 25,000 clicks last year.4 'Year in Review' is a bit of a misnomer in that it is both a collage of what happened, plus a smattering of issues that are on my radar right now. As to why people care what an organic chemist thinks about investing, economics, monetary policy, and societal moods I can only offer a few thoughts.

For starters, in 33 years of investing with a decidedly undiversified portfolio, I had only one year in which my total wealth decreased in nominal dollars. For the 13 years beginning 01/01/00—the 13 toughest investing years of the new millennium!—I have been able to compound my personal wealth at an 11% annualized rate. This holds up well against the pros. I am also fairly good at distilling complexity down to simplicity and seem to be a congenital contrarian. I also have been a devout follower of Austrian business cycle theory—i.e., free market economics—since the late 1990s.4

Each review begins with a highly personalized analysis of my efforts to get through another year of investing followed by a more holistic overview of what is now a 33-year quest for a ramen-soup-free retirement. These details may be instructive for those interested in my approach to investing. The bulk of the review, however, describes thoughts and observations—the year’s events told as a narrative. The links are copious, albeit not comprehensive. Some are flagged with enthusiasm. Everything can be found here.5

2012 Year in Review
 by David Collum

Background

I was just trying to figure it all out.

~ Michael Burry, hedge fund manager

Every December, I write a Year in Review that has now found a home at Chris Martenson’s website PeakProsperity.com.1,2,3 What started as a simple summary intended for a couple dozen people morphed over time into a much more detailed account that accrued over 25,000 clicks last year.4 'Year in Review' is a bit of a misnomer in that it is both a collage of what happened, plus a smattering of issues that are on my radar right now. As to why people care what an organic chemist thinks about investing, economics, monetary policy, and societal moods I can only offer a few thoughts.

For starters, in 33 years of investing with a decidedly undiversified portfolio, I had only one year in which my total wealth decreased in nominal dollars. For the 13 years beginning 01/01/00—the 13 toughest investing years of the new millennium!—I have been able to compound my personal wealth at an 11% annualized rate. This holds up well against the pros. I am also fairly good at distilling complexity down to simplicity and seem to be a congenital contrarian. I also have been a devout follower of Austrian business cycle theory—i.e., free market economics—since the late 1990s.4

Each review begins with a highly personalized analysis of my efforts to get through another year of investing followed by a more holistic overview of what is now a 33-year quest for a ramen-soup-free retirement. These details may be instructive for those interested in my approach to investing. The bulk of the review, however, describes thoughts and observations—the year’s events told as a narrative. The links are copious, albeit not comprehensive. Some are flagged with enthusiasm. Everything can be found here.5

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