18/2 És kiálta teljes erejéből, nagy szóval mondván: Leomlott, leomlott a nagy Babilon,….. 18/3 Mert az ő paráznasága haragjának borából ivott valamennyi nép, és a földnek királyai ővele paráználkodtak, és a földnek kalmárai az ő dobzódásának erejéből meggazdagodtak. 18/9 És siratják őt, és jajgatnak őrajta a föld királyai, akik vele paráználkodtak és dobzódtak, amikor az ő égésének füstjét látják. 18/11 A föld kalmárai is siratják és jajgatják őt, mert az ő árúikat immár senki sem veszi. 18/12 Arany és ezüst, és drágakő és gyöngy, és gyolcs, és bíbor és selyem, és skárlátczikkek; és minden elefántcsont edényt és drágafából és rézből és vasból és márványkőből csinált minden edényt; 18/15 Ezeknek árosai, akik meggazdagodtak őtőle, távol állnak az ő kínjának való félelem miatt, sírván és jajgatván, 18/16 És ezt mondván: Jaj! Jaj! A nagy város, amely öltözött gyolcsba és bíborba és skárlátba, és megékesíttetett arannyal, drágakövekkel és gyöngyökkel; hogy elpusztult ezen órában annyi gazdagság. 18/19 És port hányván az ő fejökre, kiáltának sírván és jajgatván, és ezt mondván: Jaj! Jaj! Az a nagy város, amelyben meggazdagodott mindenki, akinek hajói voltak a tengeren annak gazdagságából, hogy elpusztult egy órában. 18/22 És hárfásoknak és muzsikásoknak, és síposoknak és trombitásoknak szava tebenned többé nem hallatik; és semmi mesterségnek mestere nem találtatik többé tebenned; és malomnak zúgása sem hallatik tebenned. 18/23 És szövetnétek világossága többé nem benned fénylik, mert a te kalmáraid valának a földnek fejedelmei; mert a te bűvöléseidtől eltévelyedtek mind a népek.
Ha ebben a topikban az amerikai optimizmust akarod bemutatni, akkor sajnos ez az altalad linkelt cikk sem igazan arrol szol. Szinte valamennyi szam es trend benne lefele mutat.
Nalam nem a drukkolas kerdese. (Persze, hogy drukkolok az USAnak es a haztulajdonosoknak, hogy ne keruljon foreclosure-re sor.)
Csupan alapvetoen pesszimsta vagyok, tehat ez a topik nem nekem valo.
Ugyanakkor elgondolkodtam a szamokon egy kicsit. Egyreszt remek, hogy felmillio hazat edtak el egy honapban.
Masreszt osszehasonlitva a tavalyi ev azonos idoszokaval, amikor is kb 700ezret ez eleg nagy visszaeses.
Harmadreszt maga a teny, hogy visszaeses van az csak egy tulfutott kapitalizmusban jelent gondot, ahol a tobb mindig jonak szamit, a kevesebb/visszaeses pedig rossznak. En viszont ilyen szempontbol nem szeretm a kapitalizumst, mert peldaul a hazak eseteben amig mindenkinek van hol laknia addig (ezen a teruleten) nincsen gond. Kivancsi vagyok, hogy az uj hazak eladas hany szazalekban jelent "upgrade"-t, amikor is valaki nagyobb/jobb hazba koltozik, mert megengedheti maganak es hany szazalek elso haz.
"Never in modern memory have Americans been so gloomy about their future. A record 90% of registered voters say the country is seriously off on the wrong track, according to the most recent ABC News poll. A long economic slump lasting well into 2009 looks likely (see What's Next For the Economy?)."
Es a vege:
So chin up. We've been through hard times before. To quote Rudyard Kipling, "If you can keep your head when all about you are losing theirs ..."
10 dolog ami fényt jelent az alagút végén: (Van remény.)
No. 1: Oil Loses Its Swagger
With the U.S. and global economy hurting, oil prices have dropped 50% in just three months, from $147 a barrel in July to the $70 range. Remember $80-$100 fill-ups at the pump? The national average for a gallon of gasoline is down to $3.00, from $4.11 in March, and should stay in the $3.00-$3.50 range through next year. Prices for home heating oil and natural gas are also headed lower this winter than last.
No. 2: A Tipping Point
For the Auto Industry After years of talk and false starts, finally, all the major car makers are furiously developing hybrid and alternative-fuel vehicles that could lessen our dependence on foreign oil. Meanwhile, desperate dealers are offering unheard-of incentives on new, gas-fired models. For example, Toyota is offering $1,000 cash back and 0% financing on the 2009 Camry, the most popular car in America. Don't drive much? If you've always wanted an SUV or truck, the discounting on some models is extraordinary.
No. 3: Interest Rates Are
Low and Headed Lower The prime rate is at 4.5%, which is driving down interest rates on home-equity lines of credit and some consumer loans. The interest rate on a traditional 30-year fixed-rate mortgage is averaging 6.5%, the highest it's been since the summer of '07, but still not too far from the historic low of 5.8% reached in '03-05 and '63-65. And although credit-card companies are cutting personal spending limits, rates are dropping, too. The average rate on credit-card purchases fell to 11.89% in the first week of October, down from 12.13% in September, according to LowCards.com.
No. 4: Homes Are More Affordable
Real estate, which was overpriced during the housing bubble, has returned to earth. That's especially good news for first-time home buyers who were priced out of the market. While scare stories persist of credit drying up, the reality is more a return to traditional lending standards that had been thrown overboard-recklessly in many cases-by lenders. That means to qualify you usually need a 20% down payment, sufficient annual income, good credit and a tolerable load of debt.
No. 5: Your Bank Savings
Have Never Been Safer The $700-billion federal rescue plan more than doubles the amount of federal deposit insurance on individual bank accounts, to $250,000 from $100,000. Uncle Sam sweetened the pot further on October 14 by providing unlimited FDIC insurance on non-interest-bearing accounts. That will provide more coverage for the nation's small businesses, which use these accounts. Plus, a new temporary federal insurance program covers the full value if your money-market-fund shares fall below a net asset value of $1.00 (called "breaking the buck").
No. 6: Stocks on Sale/Many Bonds Offer Yields
The current bear market is approaching the '73-74 and '00-02 downturns, the two worst retreats since WWII. The good news: individual blue chips are selling at bargain prices. For example, shares of AT&T sell for about eight times estimated '09 earnings and yield 6%. Networking giant Cisco Systems sells for only ten times earnings estimates for its July '09 fiscal year. Google is going for less than 15 times estimates. Triple-A-rated tax-free bonds, an extraordinarily safe investment, are paying 5%-plus for ten years and 6% for 20. That's more than the Treasury offers for bonds of the same maturity.
No. 7: Technological
Innovation Continues Been to Best Buy, Sam's or Costco lately? For $799, you can now buy a 42-inch, high-definition flat-panel TV that will knock your socks off. Throw in another $200, and you can get a surround-sound system to truly transform your den into a home theater. A top-of-the-line PC with more memory than you'll ever use now costs $1,000; high-end laptops with all the bells and whistles go for $1,200, down from $2,000-$4,000 five years ago. And giant leaps in handheld devices, such as Apple's new iPhone, have revolutionized the way people interact with the world.
No. 8: Prosperity Reigns
In the Heartland The fall harvest is shaping up as one of the best ever, despite the destructive weather and floods in the Mississippi River corridor since last spring. Exports of U.S. farm products will increase more than 40% by value this year. And recent years of high profits have allowed farmers to pay down debt so low that it accounts for a measly 9% of their assets -- providing all the credit they'll need for 2009 operations. At home, while food prices jumped sharply earlier this year, the weak economy is now expected to slow further price increases.
No. 9: A New Tone and
Direction in Washington Whether it's Barack Obama or John McCain who enters the White House in January, election of a new chief executive should provide at least 100 days of galvanizing certainty for markets, and a new direction and sense of purpose for the country.
No. 10: Great Gift Buys
This Holiday Season Retailers depend on robust end-of-year sales to turn a profit, but for 2008, the National Federation of Retailers forecasts holiday spending will increase only 2.2% from last year. That won't even beat inflation. It's good news for bargain hunters, though. Both brick-and-mortar and online retailers are gearing up to offer huge discounts to boost sales. For example, Deal News predicts a DUAL Core Intel Laptop will go for as low as $299 on Black Friday, the day after Thanksgiving, and a Canon PowerShot SD1100 will go for a very low $139.
