1. Debt/Income ratio of no more than 31% is merely a measuring guideline for people whose loan may be modified. This guideline has no influence or bearing on inflation.

2. Declining demand on what? In general, a declining demand for any commodity will bring down price which leads to a lessening of inflation. However for a number of products prices are “sticky” meaning that the prices do not come down as quickly as the underlying commodity. For example a lot of food products have not had their prices come down while the grains ahve come down. Same thing with heating oil. Even though oil has come down a lot in price the oil companies have not passed along those price declines because they bought oil or locked in oil at higher prices.

The government demand for money and financing will cause and already has caused a “crowding out” from financing by other potential borrowers.

The dynamic at work in the hedge fund industry is that investors want their money back and will continue to want their money back forcing more and more funds to go out of biz.

In regard to small businesses and financing this has to do with the crowding out concept highlighted above. In addition to the crowding out the credit standards for borrowers will also be tightened as banks will be forced to retain these loans as opposed to selling them via the originate to distribute model.

Hope this helps.

If anything does not make sense, don’t be bashful.

Or will declining demand have an “oil” effect?
IE the oil market down from historic price levels seems to have taken the edge of of the holiday season bite.

The model is broken , are hedgefunds “migrating” in to unspoiled assests and will that compete with Government demands for greenbacks?

Sounds like a bad year ahead for “Small Business, and capital financing.

Just a few questions and I don’t have my thoughts orginized well at this point but again thanks for your insights.

At this juncture I do know that they are implementing new regulations for the industry but it is way too late.

is there any chance that the loan officers who made high risk Sub Prime and Alt A no document loans will be brought up on charges of fraud.

The concept of Asymetric Information for the rating agencies and the purchasers of secuities really amounts to fraud as the originators hid the risks in large pools and complex traunches.

Oh, the bots shall love this guy (from wikipedia):

Tim Kaine has stated he is personally opposed to abortion[30] but he opposes overturning Roe v. Wade. He supports restrictions on abortion, such as requiring parental consent and banning so-called partial-birth abortions in cases where the woman’s health is not at risk.[31]

In the 2006 Senate election, Kaine supported Democratic Senate candidate Jim Webb.[32] Kaine also opposed an amendment to the Virginia Constitution that would define marriage as that between one man and one woman, though he has publicly stated that he personally opposes same-sex marriage.[33]

Did the bots just really unwittingly elect a Right winger? hahahaha.

Odrama plays politics whichever way the wind blws and the money blows in!

People steal, not organizations. Cheating, stealing and lying happen in the public sector as much as in the private sector.

People who like stealing will do it however they can. In fact the Obama administration looks like a great place for the dishonest as it is an extension of pay to play Chicago.

2008 was a democrat year in the making. The democrat party chose to have Obama, voters be damned.

Bill Richardson out as Secy of Commerce!

LMAO!!!!!

msn.com has the link to a story.

Anyway, since this is labeled as an open thread, check this video about misogynistic advertising out:

http://www.youtube.com/watch?v=zMVi4xwCuUo

I knew that cats could sometimes eat Christmas tree tinsel, and that this could be very dangerous. Nevertheless, I loved tinsel on the tree & always used it. This year, for the first time, one of our 2 cats developed a fondness for tinsel. If your cat eats tinsel, you may see it coming out the rear end. It may drag little turds outside the litter box, and you may find these little treasures laying about. I discussed this with the vet, and he said it is quite dangerous. DO NOT try to pull out the tinsel if you see it protruding–it could screw up their intestines. Cut it off as it comes out. I immediately took all the tinsel off the tree. The cats are a higher priority–and that’s really saying something.

MERRY CHRISTMAS EVERYONE!

i gave a poor woman some advice on how to save for her son’s college. they started to save, then bought a Wii & the boy bought a tatoo. and they own 2 vehicles & have no way to pay for them. they will be on public assistance soon.