Posts Tagged ‘economic recovery’


Interest Rates: Trends for 2015?

With every new year comes a round of predictions about the financial future. This year, as in many others, the fate of interest rates in 2015 and beyond is the subject of speculation, most of it pessimistic. Financial experts and economists are once again predicting that US interest rates will soar in the coming months. […]

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AMA

Looking Ahead: Another Financial Crisis?

As the US economy regains its feet after the massive financial collapse of 2008, economists are turning their gaze to the future: what will trigger the next major economic crisis – not just for the US, but also for the global economy as a whole? And a bigger question: can it be prevented? To answer […]

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AMA

Is the Fed Finally Ending the Stimulus?

Is it curtains for QE3? The Federal Reserve has announced that Quantitative Easing, round three, better known as QE3, is coming to an end – although key interest rates won’t rise until mid-2015. The end of the stimulus also marks the end of a massive experiment in government intervention that sparked debate both at home […]

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Lower Credit Standards: Economic Boost or Bust?

We’ve always been told that success depends on setting high standards. Lowering your standards, so the conventional wisdom goes, leads to accepting low quality and ultimately bad outcomes. But in a bid to offset a sluggish recovery, the US government is advocating just that, with proposals on several fronts to lower borrowing standards to make […]

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US Dollar Rides High in World Markets

After the roller coaster ride of recent recession years, the US dollar is on top again – at least for now. And its strong showing against other world currencies may be due to the Federal Reserve’s much-maligned Quantitative Easing plan. According to a recent Business Insider article on the performance of the dollar and other […]

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Do Borrowers Need Banks?

Banks are an essential part of the financial landscape – or at least, they’d like you to think so. But are they? New banking alternatives may be making the traditional bank loan a thing of the past. The traditional banking model has been around for centuries, supersized to today’s massive institutions like Bank of America, […]

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FICO Score Changes: A Boost For Risky Borrowers?

Fair Isaac is changing his game. And that has some financial experts worried. The nation’s premier credit scoring agency, the Fair Isaac Company, has come to an agreement with the Consumer Financial Protection Bureau to change the way credit scores are calculated. It’s a move that could boost lower end scores by 25 points or […]

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Can Corporate Tax Inversions Harm the Economy?

The chief financial officer of drugstore giant Walgreen’s just departed his job. And while the movements of higher ups at megacorporations often resemble a round of musical chairs, this particular job change sheds light on a new trend in corporate tax evasion: tax inversion. Tax inversion is a milk toast term for a sweeping strategy […]

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Can Living Wills Prevent Another Banking Collapse?

People make living wills – and now, so do banks. To prevent a major financial meltdown like the one that hit the country in 2008, major US banks are now required to create a contingency plan for failure and submit it to government regulators. But because those regulators haven’t been monitoring those “living wills,” the […]

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Who is the Fed and What Is It Doing With Your Money?

The Fed, aka the Federal Reserve, has been making more headlines since the housing collapse of a few years ago than at any time in its history, thanks largely to its ongoing but fading stimulus program aimed at keeping interest rates low. But the Fed does far more than that. Like a puppet master in […]

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Not a Student? Student Loan Debt Still Hits Home

You’re not a college student. You don’t have a child in college. But the escalating crisis of student loan debt still affects you, in ways large and small. In the spring of 2014 the total student debt load in the US had reached $1.1 trillion – and that burden of debt is stifling entrepreneurship, threatening […]

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The Future May Be Brighter Than You Thought: Here’s Why

In a world of shrinking resources and stagnant salaries, it’s easy to believe we’re living in bad times with no hope of a recovery. But a look at the bigger picture, as revealed in a new book based on research from all over the world, suggests that we’re living in a time of unprecedented abundance […]

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Bitcoin For Real Estate: A New Frontier

In spite of outcry from government banks and cyberpolice worried about connections to Internet crime, the Bitcoin just keeps on trucking, with more and more sellers accepting the digital currency. But the growing use of Bitcoin for buying real estate is raising concerns about the digital coin’s staying power and stability. Bitcoin’s splashy entrance into […]

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The Stimulus Fades, But Interest Rates Stay Low

The ongoing draw down of the Federal Reserve’s Quantitative Easing plan is in full swing, with another $10 billion slashed from the buyout budget every couple of months. According to predictions, that should cause interest rates to jump. But despite the fading of the Fed’s artificial manipulation, those rates are hovering close to the historically […]

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Successful Investors Use Their Heads

It’s the stuff of happy endings everywhere: a gut feeling a tug at the heart or an intuition opens doors to just the right thing. That can be true in money matters, too – but financial experts say that the best investing outcomes are those driven by cool, collected logic: objective, not subjective, thinking. Subjective […]

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The US: The Last Superpower Standing?

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Gen Y: Changing the Economic Game

Move over, baby boomers. There’s a batch of new kids in town, and their numbers have knocked you out of first place as the biggest age cohort in the country. We’re talking about the millennials, or Generation Y, whose buying patterns and lifestyle choices are changing the face of the economy in ways large and […]

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Over-Regulation Strangles Business Innovation

It’s only hummus – that chickpea and tahini spread gaining popularity in grocery stores around the country. But a new battle over what exactly constitutes real hummus offers a sobering lesson about the way small businesses and entrepreneurs can be crushed by regulations pushed by their larger competitors. The story is simple. Sabra, makers of […]

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Is a College Degree Worth the Cost?

It’s often said that there are lies, damn lies and statistics – a pithy way to remind us that although numbers may not lie, they may paint a distorted picture of a larger reality. Case in point: a recent Economic Policy Institute study which claims that college graduates earn nearly one hundred percent ore than […]

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The MintChip: Mainstream Banking Tries to Get Digital

It sounds like a new kind of snack: the MintChip. But this product of the Royal Canadian Mint represents a new stage in the evolution of digital currency: digital money created and controlled by a state bank. And its demise in April 2014 serves as a cautionary tale about the efforts of governments and traditional […]

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