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How to Make Money Online in 2010 - Beat the Recession by Generating an Income Online

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Now more than ever people are looking for ways and means to generate a supplemental income. The recession is on everyone and it is sometimes hard to make ends meet. The internet is the way out for most people. But how do you make money online in 2010? Read on to find out more!

There are a number of ways to make money online. We are so fortunate to be in an era where you can make money in so many ways. The problem is often having too many choices than far too many. What this has caused is far too many distractions to make us less productive.

To make money online in 2010, you should first decide on your business model. Make sure that the business model is to your strength. Are you good at writing? Is video marketing your passion? Do you rock in creating website design? Then it is just a matter of finding the clients who are in need of these services and scaling it up.

Form a team of professionals or hire folks who are good at what you do and act as a project manager. Once you have a team of good professionals it is just a matter of scaling it up.

Create information products: Creating information products is not as difficult as people make it out to be. Don't restrict your imagination to writing ebooks, you can create audio products, video products, home study courses, teleseminars, workshops etc.

Offline marketing: You can take your Internet Marketing skills and take it offline to attract local businesses. Every business needs prospects and customers. You can offer services like website design, auto responder series, writing etc to local businesses.

Alternatively you can also look into Pay per click marketing just in case you have the capital to try out different campaigns and offers. Please note that pay per click marketing can involve a steep learning curve and expenditure but when mastered properly can be a great online business model.

May have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for double dip recession 2010 and great passion and knowledge for  recession 2010 and all the different options & providers available in the market today. Find out for more info also here CAUSESOFRECESSION.ORG

How Will A Double Dip Recession Impact Your Business And What You Can Do

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The increasing amount of bearish economic data has driven a number of analysts to question whether the Global economy will be going through another dip in a recession that has already lasted 2 years (in some countries) leading to a double dip recession. We examine some of the key impacts that this will have on your business -whether small or large- and discuss some potential actions that could assist you.

Businesses will find it difficult to access funds and financing. While this has been an ongoing issue during the Great Financial Crisis (GFC), this will continue to be a constraint for many businesses. While governments around the world have been talking second rounds of Stimulus packages, many of these packages will most probably not go ahead. Company Treasurers should re-examine their short and now medium term financing needs to ensure that they will be able to close any funding gaps (gross investment less retained cash flow).

A much higher cost of capital will mean that it will be harder for businesses to expand. Credit spreads have widened significantly from pre-GFC levels and while they have come down a lot from a year ago, still remain highly volatile. Longer term borrowing has not improved as well. Under no circumstances will the days of extremely cheap capital and credit return in the next few years. Those days are long gone and while I never say never, the memory is too fresh in people's minds of mis-pricing risk attached to credit.

Reduced cash flows driven by a worldwide slowdown in spending will impact all industries. Businesses should be prepared for another slowdown in volumes (in the order of 5 to 15 per cent) and additional reductions in prices (between 0-5 per cent) in their industries. Companies will need to think about creative ways to price their products and services. Subscription pricing models are one way to help reduce the up-front costs for your customers as well as secure future income for years to come.

Credit losses will continue to be significant. US Government data released in August 2010 show that personal bankruptcies are at their highest levels in 5years and businesses should expect to see credit losses continue. Keeping tight control over any extension of credit and shortening receivables time should on your radar and measured closely.

Continued Volatility is the "new normal." Not only have the stock markets been extremely volatile, pretty much every market has been experiencing the same sort of volatile price movements. Commodities, credit and even currencies have all seen violent price swings based on the risk sentiment of the day and while there may be a lot of traders profiting from this, it doesn't help businesses to forecast well when their cost of goods could swing by up to 10 or even 20 per cent due to the compounding impact of swings in commodities, credit and their currency. My suggestion is to look for ways to hedge their purchases or to lock in agreed prices to give themselves cash flow certainty while foregoing any upside benefits.

Cheska have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for double dip recession 2010 and great passion and knowledge for  recession 2010 and all the different options & providers available in the market today. Find out for more info also here CAUSESOFRECESSION.ORG

Debt Relief in 2010 - How the Recession Has Made it Easier For Consumers to Settle Debts

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Some people are still unaware about debt relief in 2010. They are still requesting their credit card companies for extra time. You don't need to talk your unsecured liability firm and ask for an extra time span. It is not required. Debt relief in 2010 has made life very easy for loan takers. Do you need to fulfill any kinds of requirements to use this option? The main requirement is related to your liability amount. Your credit card bill should be equal to ten thousand dollars or more than that. If you fulfill this condition then you qualify for all the settlement options. You can go online and look for suitable legitimate companies to handle your liability issues.

Can you handle the situation yourself?

This is a question which most loan takers have in their minds. Negotiating with the bank on your own is termed as self-negotiation. In my opinion, this is not a very good option. We do not have the required technical information to communicate with the credit card firm. Apart from that, this option cannot be used in a lot of conditions. Some banks do not encourage it. Hence, try to spend some money and get a qualified consultant. You need expert help to get debt relief in 2010.

Recession is advantageous for credit card holders

If you have a look at the effects, recession has produced a positive impact for plastic money holders in the United States? How is that possible? Recession has weakened the position of money giving firms. As a result of that, loan takers have carved a stronger grip on them. To get out of the economic issues, they need to coordinate with their customers.

These companies have suffered big losses because several loan takers have not been paying their bills from months. Hence, financial companies have been running their operations without monetary sums. They cannot recover their dues without debt relief in 2010. In other words, they need to compromise with the customers.

If you are a loan taker who is worried about his dues, this is the end of your worry. Now, you can write off your dues permanently. Do you know that there are some drawbacks of debt settlement? It is applicable until the economic conditions are bad. You should know that the when the economic conditions improve, the financial industry will be in a strong position again.

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.

Elaine have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for recession 2011 and great passion and knowledge for  recession proof businesses and all the different options & providers available in the market today. Find out for more info also here RECESSION2011.NET

Best Investment in a Double Dip Recession? You and Online Marketing Success!

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With the thought of a double dip recession on the horizon many are asking what is the best business or opportunity online to invest themselves into online. Here is the best answer you can find. With another repeat of the latest recession looming on the horizon, many individuals are trying to figure out how to survive through a double dip recession. For those of us who have found success through online marketing understand because we receive the e-mails and phone calls asking what is the best business, easiest business and opportunity online to help them create at least a supplemental income.

There are 1000's upon thousands of opportunities online and to truly find success with online marketing will come through affiliate marketing and or, providing online marketing training to others. Affiliate marketing can be made simple, but remember, there is a learning curve to all this and investing a pretty penny into a solid training or mentoring program can help to solidify your success online. Affiliate marketing of any kind online will require solid training and mentoring as well as massive action on your part.

Millions of people every year try their hand at online marketing through multilevel marketing opportunities, affiliate programs and what ever else they can get for a low cost. There is another fact about success online...you get what you pay for here just like anywhere else. Solid training and mentoring will cost, but this is an investment into you and surviving a double dip recession. How do you avoid a recession even a double dip recession? By investing in you for a change and learning how to effectively market online, finding a solid product or service and literally applying your self though a solid work ethic and massive action.

Glenn have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for recession 2011 and great passion and knowledge for  recession proof businesses and all the different options & providers available in the market today. Find out for more info also here RECESSION2011.NET

Double-Dip Recession May Already Be a Fact in Some Countries

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Worries about a double-dip global recession have been rising in recent weeks. They began with the surprise report a month ago that GDP growth in the 16 Eurozone countries had declined to just 0.1% in the fourth quarter.

In recent days Sweden reported its economy did slide back into recession in the fourth quarter, its GDP growth coming in at minus 0.6%, (compared to its central bank's forecast of 0.5% GDP growth), while Sweden, Denmark, and Norway reported unexpectedly slower fourth quarter growth.

With the additional problems in global economies so far this quarter related to the debt crises in Dubai, Greece, Spain, Italy, Portugal, Ireland, etc., it doesn't seem that conditions are improving this quarter.

The double-dip worry has spread to the U.S. on recent negative economic reports. New home sales plunged 11% in January. Existing home sales fell 7.2%. Durable Goods Orders ex-aircraft fell 0.6%. Consumer incomes grew only 0.1% in January, the smallest rise in four months. Construction spending fell again in January, down 0.6%. Reports for February have continued the trend with Consumer Confidence plunging sharply in February, while the ISM manufacturing index fell to 56.5 in February from 58.4 in January.

Nobel prize winning economist Paul Krugman has been saying since December that the possibility of the U.S. economy sliding back into a double-dip recession in 2010 is "not a low probability event. Odds are about 30% to 40% of it happening." He believes the catalysts will be the wind down of government stimulus programs, and businesses having completed the inventory rebuilding that boosted 4th quarter GDP.

It's not just academics who are concerned.

Jamie Dimon, chairman of JP MorganChase, says a double dip in the economy is quite possible. Dimon adds that he believes a larger problem than the debt crisis in Greece and other European countries might be the debt crisis in California if it worsens, given the size of California's economy and the potential for a ripple effect across the country.

Jerry have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for recession proof businesses and great passion and knowledge for  recession 2010 and all the different options & providers available in the market today. Find out for more info also here RECESSIONOVER.ORG

Effects of Recession in the US Real Estate Market 2010

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The credit crunch and the great depression of 2007 has played a negative role in the US real estate market. The housing market is still on its way to recovery from the recession.

Effect of recession in real estate market

From the very past the US real estate market has played a very important role in giving a shape to the usage of urban land. According to the principles adopted, it gave the owners the opportunity to earn maximum value for his land.

But the recession of 2007 has led to unemployment, and as a result, the demand for house has lessened and new constructions have also become very few in number. Though many first time home buyers are there in the market, but, the fewer number of sellers could not meet the buyer's demand. As a result, the profit decreased, price of inventories increased, sales went down and the US real estate market has faced an incredible number of foreclosures. According to the National Association of Realtors (NAR), the number of homes that received foreclosure notices in 2009 is 3 million.

Recent situation in the real estate market

To make up for the loss, the government has introduced option ARM, by which the home buyers can choose how much they want to pay each month during the 'start period' of the loan. They have the choice of paying from the following options:

•a 30-ear fully amortizing rate
•a 15-year self amortizing rate
•interest-only payment
•a base rate ( which does not cover the monthly interest costs)

This offer, along with unemployment rate of 10.5% in 2010, will make more and more homeowners unable to repay their mortgage.

The loan modification program of the government has can also cause home prices to fall by 5% to 10%, prior to the stabilization of the real estate market. It is predicted that the market will have a noticeable rebound by 2013.

The government's offer to extend $8,000 for first time home buyer tax credit till the middle of 2010 and expansion of the program to include $6,500 credit for non-first time home buyers will attract more home shoppers into the market.

Already the US real estate market is showing signs of stabilization in demand and price. For the last 6 consecutive months, the home prices are on a rise. The market has already started to recover from the effects of recession, but, it will need some more time for full recovery. According to a recent survey, 77% of the richest people in the US feel that now is the right time to buy real estate properties, as the price of home is low. Though the market has suffered a great loss, but the initiative taken by the US government to reduce the loss is to be appreciated.

Rian have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for recession proof businesses and great passion and knowledge for double dip recession 2010 and all the different options & providers available in the market today. Find out for more info also here CURRENTRECESSION.ORG

Post Recession Planning - Leadership Strategy For 2010

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So you survived it all..... you emerged with your business intact, but your balance sheet has been savaged, and your workforce traumatized?? You battled through this "perfect storm", and consider yourself amongst the fortunate ones. Did your executives pat themselves on the back "if we can survive that, we can survive anything"?

Q4 - TIME TO RE-THINK

In this brief article we argue however; that this is not a time for navel gazing and vivisection of our how we survived and what we learned. We argue instead that; if any time in the economic cycle is perfect for aggressive planning, and even more aggressive action, it is now.

Q4 2009 - strategic planning time... and time to get really creative! Consider these suggestions - they may be painful, and they may not be for you.... BUT.....

GET BLUE OCEAN

In 2009, did Revenue growth take a back seat.....why? Were you in 'survival mode"? Were there no opportunities for acquisitions, or new product lines, no openings in emerging markets?

Survival strategies are not success strategies.

Now is the perfect time to get BLUE OCEAN in your thinking:

· seek out the un-served market segments,

· search for pioneering technologies,

· challenge your supply line model and break the value - cost trade-off;

· challenge existing market boundaries, and create uncontested market space.

Example

Tata built the NANO, focusing on an un-served market segment in India of potential car owners who can only afford $2500 - building modest unit level profits, but enormous market presence. Tata applied Blue Ocean thinking to its supply line.; building partnerships with a limited number of suppliers and putting everyone in the same room to work through problems and innovate- thereby delivering a unique value proposition, which makes the NANO viable.

RE-ALIGN

Did the recession require you to combine business units, realign teams, and divest layers of management? Or did you simply tighten your belt?

How do you ensure that you remain competitive? How do you structure your organization so it is most effective and manage resources so the company' most profitable? Winning companies will take this planning opportunity to realign their structures by consolidating, merging, acquiring and investing now in capabilities that will best differentiate them from their competitors.

Successful companies in every industry need to make portfolio decisions that:

a. Build on the distinctive competencies they already have;

b. Acquire businesses that complement or extend those competencies, and

c. Divest businesses that require inconsistent competencies, driving down costs in the process.

DIVEST

What's has been clear from our experiences in 2009, is that there is the potential for discontinuous change in the structure of most industries. Rapid growth experienced up to mid 2008 provides no assurance of future survival. Your, success hinges on your ability to adapt immediately and continually to structural changes, and seize strategic opportunities. These opportunities are likely to be present in front of you now.

Senior Executives need to ask:

· Is this business core to your company's future value?

· Can you envision it as the basis for a sustaining stream of growth opportunities?

· Does it offer a path to building financial performance that is greater than what investors can earn elsewhere in their equity portfolios?

Instinctively, we react cautiously to any surgery in the portfolio fearing the loss of a revenue stream now, which cannot ever be recovered. More likely however, the disappearance of poorly performing assets, will mean an opportunity to focus on growing more promising lines of business, or facilities at a faster rate.

GET NEW BLOOD

Did you have contingencies ready in 2008? Did you respond quickly enough to market decline? Did you divest uncompetitive activities? Did you right size effectively? or did you opt for the 15% across the board slash and burn strategy?

If you answer to most of these in 'no', then who was responsible? Who was in charge? Who had failed to recession proof the portfolio (are we dreaming here?), Who failed to dump the underperforming lines of business? Who failed to cut the high costing underperforming managers, while cutting the hard working front-line staff (sound familiar?)?

· Anyone willing to put their hands up? "Global melt down' is a humdinger of an excuse for failure!

· So... time for new blood... the talent pool is rich, the time is now.

TWEAK YOUR CULTURE

Fear permeated all workforces in 2009. Fear crushes motivation and energy. Creativity and innovation are inextricably linked to energy, and motivation. The creative spirit is essential to drive your organization out of the current economic and emotional malaise.

The conventional focus of organizational behavior therapists argue we need to extract more value from de-motivated and detached workers through the latest fashionable techniques of "motivation", "engagement", engendering "discretionary effort" etc.

Reality however is often painful: you will need to rebuild goodwill in your workforce, particularly if engaging in any aggressive re-alignment, and asset divestment (human or other).

First - understand your culture....is it cohesive, is it participative? Does you workforce feel aligned with your values and your vision? (Affiliation). Or is it overtly performance focused? Failure to deliver bites hard in times of downturn. Performance - focused cultures feel this pain the most.

We suggest you SURVEY your CULTURE to learn what you have, and know what you need. Then align organizational development initiatives with your strategic growth priorities.
Invest in your Leadership

Your talented high performers will probably be very skeptical of simplistic approaches to "cultural engineering". Indeed, it is our contention that high performers are often turned off by bureaucratic process, by internal politics, by smoothing over the 'crack's with statements of "shared cultural values", and - above all -, they will be disenchanted by inadequate leadership.

Ineffective leadership is immensely costly - we only have to look around the global business landscape today to see the remnants of companies which were once dominant. Much of the blame for their demise lies squarely in complacent, short-termist and poorly educated and trained leadership.

The conventional wisdom has it, that in uncertain times the role of the leader is to provide certainty. But smart people know that certainly in business is illusory - it is in the ability to adapt, and to cope with constant change that true leadership emerges.

Adaptability, managing change, thinking strategically are learned competencies - they are not simple attributes. Invest in DEVELOPING your LEADERS as a matter of priority.

EMBRACE WEB 2 - REALLY!

Web2 - not just having a web site. or an intranet. How much is your ERP costing you? How much is your CRM system costing?... what is the real ROI? what is the true cost of ownership - did it cost 5 times the original price of the software (the normal projected Total Cost of Ownership)?

Today, SaaS (Software as a Service) offers vastly lower Total cost of ownership, and delivers much, if not all the functionally of conventional locally hosted software - at a fraction of the price. (Salesforce.com etc).

How web 2 are your communications systems? Do you still fly managers from field operations, or offshore locations in for QPRs - why... how much does it cost? Does your organization embrace interconnectivity? Do your employees collaborate virtually? Are there forums for them to do so? How much value can be generated through enhanced collaboration?

Felice have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for double dip recession 2010 and great passion and knowledge for recession proof businesses and all the different options & providers available in the market today. Find out for more info also here BOOMANDBUST.ORG

Will the Trend of the Economy Be Growth Or Recession in 2010?

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What will 2010 bring? Following is a list of some ideas and some possibilities that I think could happen in 2010. But rather than guess at where the S&P 500 will end up or how much analysts will trim their earnings estimates; this is a list of things that could make 2010 better or worse than I envision now. But I also wanted possibilities that would make people think about key elements of the economy and the markets so they could plan and adjust their own personal and business strategies as we move through the year.

1. Unemployment will not get much better and could get worse in 2010 because consumers are now into saving and debt reduction rather than spending; and companies key their production off of current inventories and expansion off consumer demand.

2. Dollar could increase in value early in the year due to global uncertainties (risks) and what looks like an improving U.S. economy and then fade later in the year.

3. The number of "Tea Party" people will continue to grow and will shape the look of the Republican candidates in the 2010 primaries.

4. More burdensome and anti-competitive regulations will come out of Congress that will prove to be roadblocks to recovery.

5. Concerns about when the Fed and Bernanke will raise interest rates will become mute because the market will raise rates months before the Fed and Bernanke decide it is time to raise rates.

6. The central Bank will continue to hold interest rates low and continue to print money causing the next bubble because of malinvestments.

7. Residential housing will get worse in 2010 due to millions of more foreclosures and more "toxic assets" put on bank balance sheets. Commercial real estate will continue to decline into 2011 because of the need to refinance "underwater" properties. However, new investors with assets will begin to buy up these cheap properties.

8. Banks will have to build assets to cover the toxic assets they currently have on the books and to cover the new toxic assets to come in 2010 and 2011. Therefore, bank lending will remain tight (and credit worthy borrowers scarce.)

9. Corporate winners and losers (consumers and tax payers have already lost) in the health "care" legislation will begin to become apparent in 2010 and the health care CEO's and Unions who made deals with the administration will be surprised when they find that their negotiated "deals" will not be honored by the government.

10. Congress will pass another stimulus package to again help create jobs. It will be large, but it will be passed in smaller packages so they can get the spending bills through Congress without attracting too much attention or outrage.

11. Climate change hysteria will begin to abate during 2010 and Congress will begin to work on a realistic energy plan that we have been waiting and paying for since 1975.

12. Corporate revenues will continue to be elusive so companies that can raise money (with low interest bonds) will buy revenues and earnings with more mergers and acquisitions.

13. Government debt levels, already very high, will get much higher and the Federal Reserve is funding this long-term debt with short-term bonds. Therefore, the Fed will be reluctant to raise interest rates. Imagine what a 50% increase in rates (from just 0.25% to 0.5%) would due to your "costs" when you are paying interest on hundreds of billions of dollars on current debt.

14. This is certainly a minority opinion, but corporate earnings for 2010 are too optimistic and will be revised downward beginning with the second quarter numbers.

15. New investment areas and opportunities will emerge because where you have buyers you have sellers and vice-versa.

Lorin have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for recession proof businesses and great passion and knowledge for  recession 2010 and all the different options & providers available in the market today. Find out for more info also here RECESSIONOVER.ORG

Recession of 2010 - Recession Spending Secrets That Will Help You Thrive

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The recession spending rules of 2009 will change in 2010. The radical consumers who are determined to not only survive but thrive have found a new set of rules for the recession of 2010. They've quickly found the old spending rules of the past are not as effective now as they were in previous years or even months.

So, like any effective plan of action they've learned to adapt to more effective solutions. In the last year retailers have adapted to the new consumer attitude of waiting for sales, shopping around and holding out for end of season sales, liquidations and inventory clearance sales.

Now retailers are simply ordering less inventory and waiting out the consumer if possible. This puts less pressure on many retailers to negotiate, give major price breaks or even offer price reductions. So, a new set of rules have to apply in 2010, especially now that the holidays are over. The retailers that are still left standing will be tougher to deal with than they were in 2009.

Here's 3 recession money saving secrets for 2010


1. Negotiate Smarter Not Harder.

Before you could come in like a linebacker and negotiate with many merchants and retailers. This was especially true for those with cold inventories, slow sales and nervous creditors ringing their phones off the hook.

But now that many retailers have adjusted their operations to lean and mean status and reduced their inventories back to manageable sizes, many are more cautious concerning negotiating. But as the saying goes everything is still negotiable, especially in a recession.

So, if you find a retailer not willing to negotiate, simply find another retailer selling the same product or service who will. Now you'll have to negotiate smarter, meaning know whose selling the product you want for what price. Do your' comparison price research, know who the major competitors are and take advantage of competitor pricing many stores have when you can.

2. Shop More From Your House With Your Mouse.

While most retailers will be forced to still offer bargains, markdowns and specials, this attitude is quickly expanding to online retailers as well. The pressure is on internet retailers to offer bargains to at least match or beat brick and mortar stores.

Although it's much harder to negotiate with online retailers than it is with physical stores, it can still be done, most people overlook this simple secret. When you want to negotiate with an online retailer make sure you're emailing or talking to someone who is authorized to negotiate, like a manager or owner. Avoid negotiating with a phone order operator, secretary or clerk.

3. Beware of the 30 day rule.

With so many bargains, specials and deals still available in 2010 it may be tempting to overspend. That's why I would suggest you acquaint yourself with my 30 day rule. This simple rule have helped me avoid buying stuff I don't need, won't use and in time will force me to sell at a discount to others or give it away.

If you are familiar with the various home shopping channels you no doubt could benefit from this money saving and junk avoiding rule. The rule simple states "Am I going to use this product at least once a month or every 30 days? If you can't answer with a resounding yes, don't buy it, no matter how cheap it is. You'll be surprised how much money (and garage or other storage space) it saves you.

Nereo have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for double dip recession 2010 and great passion and knowledge for  recession 2010 and all the different options & providers available in the market today. Find out for more info also here CAUSESOFRECESSION.ORG

Double Dip Recession - How To Profit?

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There is no doubt that the US is now heading for another double dip recession in 2011. With this being the case a lot of people are panicking. But did you know it is easy to profit even when the economy turns sour?

NO matter what happens in 2011, it is a sure bet that the US fed quantitative easing programs are not working. That means that the dollar is edged to moved lower and inflation will soon come in. Even though these events will be bad, there is still a way for you to profit.

Here are 5 ways to offset the double dip recession coming in 2011.

1 .Buy gold: There will come a time when the US fed will have to abandon what is their current monetary polices. When that happens severe inflation will come in. That will affect currencies and give strength to such metals as gold. Those that hold this metal will survive if things get bad. You can use ETF's, gold funds, or buy physical gold.

2. Buy yielding stocks: When the economy is uncertain, income rules. Stocks with good dividends are always used a flight to safety by smart investors. Even though stocks are stuck in trading ranges at the moment, the real nice profits might come from dividends as they are guaranteed as payments.

3. Reap the best rewards: Overseas and foreign investments are doing particularly well at the moment. China, is said to be the next US super power. And it is only early days. A lot of wealthier investors are finding opportunity in chine before the next major boom happens. Make sure you consider doing this also.

4. Look to agriculture: Inflation is looking like a real possibility. Instead of looking at this as a problem, look at it with open eyes and as an opportunity. If food prices are going to skyrocket, what do you think this is going to to do to the agricultural commodities. Look to the top agricultural commodities funds for some nice returns over the next 12 months.

5. Another economic downturn: If you a look at current unemployment rates and figures. And other stats about the US economy there is going to be another downturn coming soon. It is really just about supply and demand. Look for areas for strong demand and no supply. That is how many people made a lot of money back in 2008 when the stock markets melted down. Instead of seeing panic and pessimism, look at the whole situation as lucrative in a world where others simply give in to negatives around them.

Xuan have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for recession proof businesses and great passion and knowledge for double dip recession 2010 and all the different options & providers available in the market today. Find out for more info also here CURRENTRECESSION.ORG

What Is A Double Dip Recession?

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Double Dip recession refers to the method when gross domestic product or (GDP) growth goes down subsequent to one quarter or two of positive growth. This is a kind of recession which is trailed by a revival process which is also fleeting, and after that there is yet another recession. There could be numerous causes behind a double-dip recession; however these reasons differ though they are inclusive of a slowdown which is prevalent during the necessity for goods and services which result due to layoffs, plus spending cutbacks which are bound to arise, as a result of the prior downturn.

A double-dip recession or for that matter, a triple-dip recession denotes the nastiest case situation. Recovery is rendered even trickier as there is an innate fear that the economy could always slide back and this could then lead to a longer as well as a deeper session of recession.

A recession is an occurrence which nearly all the people are more or less aware of. This leads us to the essence of a double dip recession. If a recession is deemed as a plunge in the economy, then it would be worthwhile to state that a double dip recession refers to the phase wherein the economy is hindered for a succeeding time. This leads us to the query as to why exactly a double dip recession occurs.

In the recent past, when people involved in the higher echelons of administration were in the process of enabling important decisions, it was settled on that stimulus spending was the lone means of evading this state of affairs. Stimulus spending refers to the process where the finances of the administration are utilized for the purpose of kindling the economy so that it could be revived, so that things could once again revert back to the original state. The stimulus resolution presupposes that the economy could do with some resurrection after which it would be capable of functioning in a much more capable manner and this would be ensured till the time the stimulus finances stop.

The double dip recession is being heralded as the stimulus finances have almost been depleted; however there is not an adequate amount of indication that the economy has been revived in a satisfactory manner. All the incentives of the administration for purchasing either the latest car alternately a house are not present anymore; however there is a lack of satisfactory evidence to highlight this fact. This necessarily means that the market is not ripe for certain investments, and that a certain integral portion of the economy is rendered dysfunctional.

It is tricky to predict how far-off the economy is capable of plummeting during the second round. This is primarily dependent on the amount of resurgence which the economy has experienced during the initial round itself. Almost all the people concerned concur that the subsequent plunge would not be as appalling as the initial one. A double dip recession can be overcome if you are economically viable as this would assist you in tiding over the hard-hitting times.

Ranma have been writing articles for nearly 2 years. Come visit his blogs more often for tips and advice that helps people with the interest for recession 2010 and great passion and knowledge for double dip recession 2010 and all the different options & providers available in the market today. Find out for more info also here RECESSIONINTHEWORLD.COM

Will a Double Dip Recession Result in More Bankruptcies?

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The most recent employment figures from the federal Bureau of Labor Statistics (BLS) indicate that the recession is continuing to have a direct impact upon employment. "Total nonfarm payroll employment declined by 131,000 in July, and the unemployment rate was unchanged at 9.5 percent, the U.S. Bureau of Labor Statistics reported today. Federal government employment fell, as 143,000 temporary workers hired for the decennial census completed their work." Private-sector payroll employment increased by 71,000. Thus, the number of unemployed nationally has increased. The Bureau of Labor statistics reported that the June 2010 unemployment rate for Oregon held steady at 10.5 percent. The Bureau of Labor statistics reported that the June 2010 unemployment rate for Oregon held steady at 8.9 percent.

This is coupled with a still teetering housing market. Realtytrac reports that "a total of 97,123 U.S. properties received default notices in July, a 1 percent increase from the previous month but a 28 percent decrease from July 2009." Realtytrac also noted that "Default notices in July were down 32 percent from their peak of 142,064 in April 2009." Additionally, Realtytrac reported "Foreclosure auctions were scheduled for the first time on a total of 135,248 U.S. properties in July, an increase of 2 percent from the previous month but a decrease of 2 percent from July 2009. Scheduled auctions in July were down 14 percent from their peak of 158,105 in March 2010. Lenders foreclosed on 92,858 U.S. properties in July, a 9 percent increase from the previous month and a 6 percent increase from July 2009."

This dire economic data has caused some to speculate that the economy is facing a "double dip" recession, that is, a second drop in economic growth, and the subsequent weakening in job growth and increase in unemployment. It seems likely that this second economic dip will force more families that are already hanging on by a thread so to speak into financial calamity. Many of these people will consider bankruptcy as an option. It should be noted that unemployment can significantly affect the type of bankruptcy that a consumer can file, and the overall outcome of that bankruptcy proceeding.

Chapter 7 liquidation is the most common type of bankruptcy. Since significant changes to the bankruptcy law went into effect, it has been more difficult to qualify for Chapter 7 bankruptcy. This is due to a provision of the bankruptcy code called "means testing." This essentially looks at a household's income and liabilities and determines whether the debtor falls below certain paramaters in order to qualify for Chapter 7 liquidation. On the other hand, many people seek Chapter 13 wage earner repayment plans. In order to qualify for this type of plan, the debtor must be employed, and demonstrate to the Court and Trustee that he or she can make the monthly payments under the plan. In between Chapter 13 repayment and Chapter 7 liquidation is a potential no-man's land, in which the debtor previously earned too much income to qualify for a Chapter 7, but no longer qualifies for a Chapter 13 repayment plan due to unemployment. A good bankruptcy attorney can assist debtors in pre-petition planning to ensure that the proper type of case is filed. This may involve reviewing income, assets and liabilities also referred to as "means testing" or reconsidering the timing of filing a petition.

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The Recession of 2010

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Sustained economic progress and advances in civilization result, fundamentally, from the interest, effort, freedom and opportunity of individuals to legally acquire private property (land and capital) and accumulate wealth. Private property rights-the precondition of all economic progress-gives the individual security and self-worth. Hence, the individual's rational inclination or incentive to combine labor, capital, land and entrepreneurship to produce wealth and accumulate the physical, human, and intellectual capital necessary to make continuing economic progress possible. In other words, given the opportunities to lawfully acquire property and the freedom to accumulate wealth, the individual is motivated to create, to innovate, to produce the goods and services demanded by society, to trade them and earn a profit. That is how we have come to understand the connection between economic freedom and economic growth, and to value the crucial importance of private property rights.

Within a positive environment of institutional stability and technological advances, the degree of individual willingness and abilities is what ultimately facilitates the more productive use of economic resources and the accumulation of capital necessary for future economic growth. A problem arises, however, when morality of behavior, social concerns, and the basic elements of justice are increasingly ignored by the individual in the market place. In other words, it is not the selfish interest, greed or the individual desire for pleasure what creates progress. A society that grants absolute individual freedom on the sole basis of selfish motives would only promote an unsustainable system of capital concentration, exploitation, corruption and social polarization. Progress is not, either, the result of man's natural desire to work hard or of man's concern for his fellow countryman or for mankind. A society that plans solely on those premises is doom to economic disaster or ends up coercing their population to increase the level of production.

It is, then, the degree to which society succeeds in establishing its rules and values what promotes and molds individual actions toward the fulfillments of the desire to own private property and accumulate capital. The more equitable the individual opportunities, the greater are the chances of an individual to compete in the market place. This competition tends to foster innovation, to generate higher levels of productivity, higher profits, more investment, more employment and greater national wealth. Societies that only grant individual freedom and opportunities to a particular sector of the population and invest little or inefficiently in human capital, become dual societies. On one side, a sector develops and progresses until the other sector, which operates at a subsistence level becomes fatigued, unproductive and powerless to sustain the necessary levels of production, income and development. These conditions drag the entire society into the cycle of social unrest that we often see in poor countries.

The most prosperous nations, therefore, are those that can strike a better balance between individual betterment and the social good, prosperity and justice, freedom and order.

Some believe that the natural laws alone explain that the balance of social forces is achieved based on natural conditions such as respect of property rights, good faith, fair transactions and equitable rewards for individual efforts. But the fact is that the economic system cannot be left entirely to self-correcting natural laws, simply because the respect for ownership, sincerity of intention, fairness and the correspondence between individual efforts and rewards are not necessarily natural conditions; at least no more than selfishness, greed, exploitation and corruption.

It is true that individuals are the essential elements of society and that self-interest (motivated by financial compensation, realization, reputation or power) is the driving force of the economy, but the limitations in human capital investment as well as other factors play a significant role on the pattern of income distribution. Since aggregate demand depends on the pattern of income distribution, and production is governed by the pattern of consumer demand, then abnormally unequal income distribution would constrain the level of production and with it the wealth of the nation.

Furthermore, when the private ownership of land and capital is overly concentrated, the economic incentives necessary for economic progress are drastically reduced. This extreme concentration of wealth in the hands of individuals and institutional investors tends to drift away from the production of goods and services as they search for speculative gains. Therefore, to a point, the less polarized the distribution of income, the greater the likelihood of individuals, not only to increase consumption, but also to develop entrepreneurial abilities and increase the competitiveness of the markets

Economic policies, to be sufficient, should comprehensively support the private sector in the implementation of health, education and training programs, aimed at increasing workers productivity and business profits. The resulting increase in income, savings, and capital accumulation would tend to increase consumption, production and employment. This would allow the economy to fully utilize its human and capital resources.

Government revenues would also increase, creating more favorable financial conditions, as interest rates would tend to ease. This would allow for higher levels of investment in capital and would help sustain productivity and profits. The high levels of productivity would tend to keep inflation in check.

The most relevant implication here is that governments should promote a more comprehensive and proactive approach to maintain economic freedom, equality of opportunities (not equality of outcomes), growth, and stability, while causing the economic fluctuations (business cycles) to be benign and making fine-tuning government efforts of relatively lesser need.

Virtually, the government primary function is that of stabilizing the economy through monetary and fiscal policies. The idea of success, however, is rather narrow as it concentrates, almost entirely, in the "two unhappy possibilities" of unemployment and inflation.

Monetary and fiscal policies, if viewed in isolation and as short run instruments of stabilization could at times produce the most unintended results. For instance, disproportionate massive tax cuts could produce extreme high concentration of capital. Extreme fine-tuning efforts through monetary policy could be deceptive and at times both policies could be contradictory.

Government policies, in general, could be conflicting. One example of the contradictory forces in the USA could be seen in the housing market. As we entered the XXI century the USA government began to expand his social commitment to increase the home ownership of minority groups, while relaxing the accountability of financial institutions. Soon, the real estate industry took advantage of the "easy-credit", laissez-faire environment and set itself to put any kind of deals together. Unscrupulous lenders provided the funds so anybody could buy homes, regardless of their credit qualification; they just passed the risk along, selling loans at a profit to third party investors. Borrowers took out loans at low teaser rates, which they could not afford once these low rates expired and their mortgage payments were in many cases doubled. Scores of lending institutions failed, including the giants Fannie Mae and Freddie Mac; leading to a grim credit crunch.

Another important factor, which contributed to the crash of the real estate market, is the role of the speculator. The speculator, attracted by the real estate boom made immense amount of money in their early investments, then dumping in the market their properties at losses they could afford due to their earlier successes but leaving homeowner with houses worth less than their mortgage.

This leads us back to the issue of high concentration of capital. The ideological principle of income polarization has diverted investment from the production of goods and services into speculative investments, which eventually and inevitably lead to markets failure. For a while, the USA economic policies have tended to favor the highest income earners. This produced a high concentration of capital that was increasingly channeled into the financial markets in search of capital gains. This speculative investment, which elevated stock prices to unsustainable levels, bears the responsibility for the 2008 stock market crash.

That situation led to lower capacity to consume due to lower real income and layoffs. That spiral continued to sink the system rapidly, deepening the recession that started in 2007. The USA central bank, with the hope of stabilizing the economy, kept lowering the interest rate until it almost reached a near zero level. But, as they say: "you can take a horse to water, but you can't make him drink". Banks kept hoarding cash and not taking the risk of lending it.

The U.S. government treated that economic condition like if it was a short-term imbalance. The reality is that, systematically, middle class families were descending into poverty; many continued to add to the lines of the unemployed or underemployed. Numerous factories closed. The government capacity to continue borrowing money grew impaired. The long-term instability became critical. The trend was signaling that the system could loose its capacity for future prominence.

It is imperative, then, that long-term instability be measured and monitored. For that purpose I devised a LONG-TERM INSTABILITY INDEX, which could be called The Lacayo Index. This index combines the measurements of inflation (I), unemployment (U), interest rate (IR), import to export ratio (MXR), public debt growth rate (PDGR), the Gini coefficient for families (GC) as a measure of income inequality, and a measure of the real GDP drop rate (GDPDR). The Long-term Instability Index depicted in EXHIBIT I is the sum of these components:

LONG-TERM INSTABILITY INDEX= I+U+IR+MXR+PDGR+GC+GDPDR

The use of these variables finds its logic in the rationale that they are, ultimately, the consequences of fiscal and monetary policies, as well as the effects of other aspects of public governing. And in turn, the causes of such public administration efforts are often reflected in the political leaders adherence to ideological principles, in their attitude toward accountability and their disposition to submit to morality of behavior, to social concerns and to the basic elements of justice.

EXHIBIT I shows The Long-term Instability Index of the last 62 years for the United States of America.

For the government to achieve long-term stability it would have to implement economic policies that would avoid extreme capital concentration and income disparity (lower Gini Coefficient) and with that reduce speculative investment and increase productive capital investment. The government would have to concentrate on fiscal responsibility and establish reasonable budget-balancing objectives to avoid negative pressures in the financial markets that could result in higher long-term interest rates. It would have to strive to increase exports to avoid unhealthy trade deficits (lower Import to Expot Ratio) with certain countries and regions; leading to comparative advantages, higher GDP, higher tax revenues, lower Public Debt, and lower unemployment. The Lacayo Index would allow us to measure and monitor government performance in those areas needed to sustain long-term economic growth and stability. The table in exhibit I clearly shows how the policies of each administration affects the seven components of the index. It helps judge the president on how he manages what he receives, how he exacerbates or reverses the economic trends and what his long-term economic legacy is. As the index value of a president increases it indicates that the administration performance in terms of long-term economic instability is worsening.

The 10th column of exhibit I denotes the values of the index corresponding to the last year of each of the last 15 United States administrations. On the last column, these values are tagged with a (+) or a (-) to indicate whether the last year of each presidential term has improved or deteriorated, in term of the Long-term Instability Index, when compared to the last year of the previous term.

What is also clear in The Long-term Instability Index is the accelerated, almost unstoppable decline of the long-term economic trends in the United States: a contracting middle class, the amassing of a colossal public debt, a disproportionate trade imbalance, a falling production and a very unstable approach to fiscal and monetary policy with its consequent long-term instability in the rates of inflation and unemployment. Perhaps political ideology is getting in the way of economic performance. Perhaps economic goals are narrowly established due to political pressures. Perhaps politicians fall in love with a tree and ignore the forest. Whatever the reason, it needs to be realized that a piecemeal approach to economic problems is often damaging. The economic reality of a country requires a comprehensive approach and the simultaneous monitoring of The Long-term Instability Index and the tendency of its components.

Regrettably, we tend to focus on short-term misery indices and other measures of short-term economic performance that do not go beyond the measurements of GDP shortfall, unemployment and inflation, and somehow neglect the long-term implications of economic policies adopted by politicians.

The index takes into account what is left undone in terms of accumulation of the public debt, in terms of income disparity trends, in terms of trade deficits and in term of long-term interest rates which affect mortgages rates. To restore the long-term instability depicted by The Lacayo Index, future U.S. presidents must perform systematically better (lower index values) than their predecessors.

In EXHIBIT II we chart the Long-term Instability Index for a 60-year period (1948-2008). We depict the periods of U.S. recessions (dark bars), which are consistent with the index peaks. On this chart we also mark three economic expansions; the three longest economic expansions in U.S. history, which coincide with periods of decreasing values of the Long-term Instability Index.

From this, however, we cannot conclude that maintaining a decreasing index value would increase long-term economic stability and sustain longer periods of economic expansions. A government could slash taxes, irresponsibly deregulate Wall Street, and the Fed could cut interest rates to stimulate economic growth and reduce unemployment. These could perfectly well reduce the value of the Long-term Instability Index while leaving unattended the long-term implications of severe income disparity, increasing public debt and increasing trade deficits. So, the goal of the government should not only aim at obtaining relative declines of the index value, but to maintain the Long-term Instability Index as close to zero as possible.

The problem with economic instability is that the deeper causes of recessions are ignored. We know that at times government itself has been the cause of recessions by applying contractionary fiscal or monetary policies, as they fear inflation. A prevailing traditional assumption, as we enter a recession, is that consumer confidence is down and that a small tax rebate will do the trick and get the flow of money restarted. At times the government has fought recessions characterized by stagflation by first fighting the inflationary problem with contractionary policies and then reducing taxes regressively to lower businesses costs with the hope of the benefits trickling down to the labor force. But the deeper, more ingrained causes of long-term instability, like capital concentration, monopoly power, and the disruptive capacity of speculation are hardly ever addressed.

The complexity of the financial crisis and economic recession that begun in 2007--the worst since the great depression--is such that it has politicians and economists alike, puzzled. This crisis will probably occupy intelligent minds for many years in the effort of deciphering what went wrong. We know, however, that institutions have failed and that society has compromised its rules and values. The SEC allowed the proliferation of investors' traps. The FED has, to a large degree, lost its capacity to stabilize the economy through monetary policy. The permissive monopolistic power granted to certain industries has virtually taxed the consumers in detriment of their purchasing power. The play of ideological forces in the branches of government essentially shifted productive capital investment to speculative investment. So bad, that our system has virtually shifted from capitalism to what I elected to call wagerism.

Since the 1980s, in the U.S., money has been gushing to the wealthiest and to institutional investors. The impressive accumulation of wealth has not led to an equally unprecedented economic growth. Instead, it has produced a decline in real lower and middle incomes because of the degree of wealth concentration. Under these circumstances, consumer demand is often depressed; investment is increasingly drifting away form the production of goods and services and channeled into the speculative search of capital gains. There is little incentive for the wealthy investor to go through the complexities of planning, organizing, directing and controlling a business that produces goods and services when they could profitably bet in the rising prices of stocks, bonds, commodities, etc. and only pay a fraction of the taxes they otherwise would. Why invest in capital goods if we could simply bet? Why capitalism if we have wagerism?

High stock prices or the high prices in any speculative market are almost always pushed further upward by astutely fabricated high expectations. In this sense, economic reality and speculative markets are unrelated. Wagerism is characterized by the culture of speculation and is an unstable system that inevitably crashes after every period of artificially inflated expectations and gains. Another characteristic of wagerism is the increasing economic polarization that it imprints in a society. The ever-increasing decline in consumer spending and capital investment, the rising underemployment and income polarization, and the trade imbalances push the system into deeper and more somber tides of speculation.

The great recession that started in December 2007 is clearly marked by the effects of wagerism. The apparent recovery that started in 2009 was plagued with escalating unemployment and underemployment, bankruptcies, foreclosures and the risk of inflation. The Fed has just been throwing money at the problem, since early 2009. Trillions of new dollars has been catapulted into the economy to rescue the failing speculating companies which the Fed deemed "too large to fail." Domestic and foreign banks, hedge funds, mutual funds, large manufacturers, automakers, insurance companies received the bulk of the money distributed as part of the improvised bailout efforts of the Fed.

By looking closely at exhibit II, we observe that, since 1950, on the average, there is a span of approximately 17 months from a low point of the long-term instability curve to the start a of a new recession. Considering the upward extension of the index beyond December 2008, it is possible for a new recession to begin in 2010 in the same fashion as the 1981 slump that began 6 month after the end of the 1980 economic downturn.

Amidst these uncertainties, one thing is patent: The importance of recognizing the need for a comprehensive long-term economic instability indicator that could help establish a stable long-term path. To avoid further failures and human anguish, the U.S. economy should start producing vigorous increases in real GDP with the minimum possible impact on the public debt instead of rewarding ingrate, bonus-hungry Wall Street bankers and other speculators with billions of bailout dollars. Efforts should be aimed at restoring the size of the middle class instead of allowing monopolies to set arbitrary prices, charge fraudulent fees and outrageous interests while confiscating the purchasing power of consumers. Public policies should be adjusted and laws should be reformed to reduce the substitution of capital investment for speculative investment, reducing unemployment, promoting export-boosting enterprises while keeping inflationary pressures and the long-term interest rate in check. This is the time to be concerned about the future of capitalism. Threatened by the possibility of a new recession this year, in our minds linger the thoughts about our capacity to deal with a catastrophic depression and the capacity of capitalism to endure.

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Are We Headed For a Double Dip Recession in 2010?

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The current economic conditions have created an obvious stir in the thoughts and opinions of individuals, experts, and classrooms across the nation. Not since the early 1980s has there been so much talk from experts about the reality of a double dip recession appearing on the horizon. Even college and high school students have become concerned about the long-term effects of what they hear in the daily news.

Quality of life is in the balance for many people and a decent portion of them have placed future plans on hold until they see how this economic drama plays out. However, there are always some who have better positioned themselves to be prepared for difficult economic times. Even within this demographic there is an ample amount of concern.

Some financial forecasts have a double dip recession not taking place until the latter part of 2010 or beyond, while others see it taking place much sooner. The gloomy unemployment picture plays a crucial part in these analyses, since hiring growth is predicted to decline by the majority of experts. A lack of confidence in the economy may also prove to be a contributing factor, incited by the daily flow of headline news which gives details related to the increasing deficit.

Political efforts are being made to hold back this flood wall of economic digression. Hope still remains, that the predictions of a double dip recession never become a sobering fact. Thoughts and opinions related to the economy will continue to intensify, and this is a certainty that can be taken to the bank.

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