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WASHINGTON – President Barack Obama is pushing to rein in costs for millions of Americans who use credit cards, an appeal to consumers as many struggle to pay their bills.
Since the beginning of the crisis in late 2008, the U.S Government and Congress have passed a number of bills into law. These bills have been designed to inject liquidity into the financial markets, increase availability of credit, and encourage consumer spending. A number of regulations have also been introduced to curb practices in the sub-prime mortgage industry.
Experts have citied a lot of reasons for the financial crisis. Due to increased demand for housing, and government policies encouraging subprime mortgaging, banks lowered minimum requirements and credit ratings of potential borrowers became less important.
According to the Federal Reserve and various other independent financial experts, the financial crisis of 2008 was largely an extension of the sub-prime mortgage crisis resulting from a burst in housing prices, and the inability of mortgage borrowers to fulfill their payment obligations and refinance current mortgage. This led to a situation where banks didn’t have enough money for lending and normal business purposes.
While there’s no widely acceptable definition of a recession, virtually all economics agree that a recession is a period of declining economic activity. Businesses experience little growth causing the employment rate to fall, price of housing drops, and the Gross Domestic Product (GDP) falls by 10% or more within a 12 month period.
The cash flow of a business – whether a small-scale or big-time business – is the feast and famine nature when money coming into the business becomes tight enough to risk not supporting underlying business activities it formerly supported.
The spend thrift son of a billionaire and boastful middle-class lawyer both have this in common. Making savings without too much effect on our daily lives is not only possible, it’s highly achievable. Everything that has to do with saving and budgeting is always resisted by those individuals who have the “I CAN so I spend it” kind of attitude.
The prime rate is always seen as the first approach to controlling a recession. Burst periods which accompany the end of a market boom can be controlled by reducing the prime rate. Up until now, the Federal Reserve has steadily reduced prime rates in a bid to reduce interest rates and stimulate consumer spending.
As the year comes to an end, many families are in search of a working solution to reducing their means of living for 2009. Always remember that saving money doesn’t come easy, at least not without the dedication and willingness to try it out. Below are some of the best money savings tips you’d find out there.
Credit Card debt is one of those issues affecting millions of Americans today. With credit easily available, the lure of spending what we don’t earn is hardly resistible. A lot of individuals even live out rightly on their credit cards with no form of savings whatsoever.