테이퍼가 당신과 당신의 가족에 영향을 미 치는 8 가지 방법

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연방 준비 제도는 양적 완화의 양을 테이퍼 할것을 수요일에 결정했다. ,

 연방 준비 은행은 미국 재무부 채권의 월별 구매를 45,000,000,000달러에서 $ 40 억로 감소하고, 주택 저당 증권의월별 구매는 35,000,000,000달러에서 30,000,000,000달러로 감소 할 것이라고 발표했다. 이 뉴스가 나왔을 때, 모든금융 시장을 통해 충격파를 보냈다. 그러나 진실은 그만큼 정말 변경하지 않는 것이 있습니다. 연방 준비 은행은 여전히​​ 무모하게 허공에서 새로운 돈의 거대한 양을 생성하고 대규모 금융 시장에 개입 할 것이다. 그냥 이전보다 약간 작습니다. 그러나, 이것은 투자자를위한 매우 중요한 심리적 전환점을 나타낼 수 있습니다. 그것은 "파티가 끝과시작"과 지난 4 년간의 큰 주식 시장이 가까이 그리기가 되고 있다는 신호입니다. 그래서 평균 미국인을 의미하는것 모두 무엇인가? 다음은 "테이퍼"가 당신과 당신의 가족에 영향을 미치는 8가지 방법입니다 ...

1. 금리가 상승하는거야

수요일에 발표에 따라, 십년 미국 국채 수익률은 2.89 %로 올라 갔다 심지어 CNBC는 테이퍼 "가 있다고 인정하고 채권에 대한 나쁜 징조 ". 우리 경제의 다른 금리의 수천가지가 직접 10 년의 속도에 의해 영향을받는, 그 수는 3 % 이상 올라 거기에 체재하는 경우에 그래서, 그 경제 활동의 상당한 둔화가 앞서있는 신호가 될 것입니다.

2. 주택 매매는 가능성이 아래로가는거야

모기지 금리가 크게 십년 미국 국채 수익률에 의해 영향을 받는다. 십년 미국 국채 수익률이 지금은 올해보다 상당히 높기 때문에, 모기지 금리도 올라 갔다. 즉, 모기지 응용 프로그램의 여러가지가 부딪친 이유 중 하나입니다 13년낮은 모기지축소. 그리고 지금은 가격이 더 높이 간다면 그것은 더 많은 물건을 강화하는 것입니다. 당신의 작업이어떤 식 으로든 주택 산업과 관련이있는 경우, 당신은 2014 년에 오는 것에 대해 매우 우려해야한다.

3. 당신의 주식은 아래로가는거야

그래, 난 주식이 오늘 급등할 것을 알고있다. 다우 지수는 높은 새로운 모든 시간 기록을 폐쇄하고, 정말 무슨 일이있었던 이유에 대한 합리적인 설명을 제공 할 수 없습니다. 발표가 처음 만들어진 때, 주식은 초기에 매각. 하지만그들은 거대한 방식으로 반등할것이고 그리고 연준 의장 벤 버냉키가 몇 달 전 테이퍼가 곧 올

수 있음을 암시 할 때,, 주식은 바위처럼 떨어졌다. 나는 연준이 주식 시장이 자신의 뉴스에 대한 긍정적 인 반응이있는지 확인 것들을 주위에서 시간을 조율한 느낌이 듭니다. 하지만 물론 나는 절대적으로 모든 것을 증명할 수 있습니다. 언젠가는 우리가 실제로 수요일 오후에 무슨 일이 있었는지에 대한 진실을 배울 수 있기를 바랍니다. 나는발표를 만든 다음 모멘텀 알고리즘 거기에서 인수 한 직후 시장에서 약간의 직접 개입이 있다는 것을 느낌이 듭니다.

어떤 경우에도, 우리가 알고있는 것은 1 차 양적 완화가 종료 된 때 주식이 극적으로 떨어졌고 같은 일이 일어나 QE2 종료했다 

물론 QE3가 종료되지 않고 있지만, 테이퍼는 "쉽게 돈"의 일을 통해 우리는 시장의 피크에 도달했다는것을 투자자들에게 신호를 보낸다.

당신이 시장의 정상에있는 경우 그리고, 할 수있는 논리적 인 것은 무엇인가?

판매, 판매, 판매하고 있습니다.

그러나 판매하기 위해, 당신은 구매자가 필요 할 것입니다.

누가 더 위쪽 왼쪽이 없을 때 주식을 사고 싶어 할것인가?

4. 귀하의 은행 계좌에서 돈이 지속적으로 평가 절하되고있다

새로운 달러가 생성 될 때, 당신은 유지 기존의 각 달러의 가치는 내려갑니다. 그리고 연방 준비 덕분에,이 나라에서돈을 창조의 속도는 최근 몇 년 동안 기하 급수적으로 늘어났다. 그냥 M1에 어떤 일이 있었는지 확인하세요. 그것은거의 2008 년 금융 위기 이후 두 배로 ...

연방 준비 제도 이사회가 행동 한 바이마르 공화국처럼 , 변경되지 않습니다. 심지어 테이퍼와 연준은 여전히 절대적으로 미친 속도로 허공에서 돈을 창조 할 것입니다.

그리고 연방 준비 은행이 하고있는 것은 "작업"을 것을 주장하는 사람들을 위해, 그것은 기억하는 것이 중요합니다바이마르 공화국 하지않았던 미친 인쇄를 돈은  완벽하고 완전한 재해로 끝나기 전까지.

5. 양적 완화는 생활의 비용이 상승하는 원인이되었습니다

연방 준비 은행은 우리가 "낮은 인플레이션"의시기에 있다고 주장하지만, 식료품 가게로 이동하거나 정기적으로 청구서를 지불하는 사람이 그게 뭔지 거짓말을 알고있다. 진실은 인플레이션 율이 여전히 지미 카터 대통령 때 같은방식으로계산 된 경우, 인플레이션의 공식적인 환율 어딘가에있을 것입니다 

오늘 8 및 10 % 사이의 .

6. 양적 완화 정책은 실업률을 감소하지 않았다

 연방 준비 은행은 실제로 처음 2008 년 말 양적 완화에 다시 참여하기 시작했다. 당신은 아래의 표에서 볼 수 있듯이, 실제로 작업하는 미국인의 비율은 그때보다 오늘 낮고 ...

주류 미디어는 양적 완화가 모두 "경제를 자극"에 대해 그것은 "실업률이 추락했기"때문에 양적 완화에 전환하기 위해 지금 좋다는 것을 주장하고 있습니다. 바라건대 주류 미디어가 당신 한테 말한 것이 되었음을 볼 수있는 거대한거짓말 . 정부의 고유 번호에 따라, 작업과 미국인의 비율은 2010 년 말부터 현저하게 우울한 수준에 머물렀다. 우리가 "고용 회복"을 가지고 있다고 말하려고 해도 사람은 매우 무지이거나 당신에게 거짓말 플랫 아웃입니다.

7. 세계의 나머지 부분은 우리의 금융 시스템에 대한 신뢰를 잃었습니다

 세계의 다른 사람들은 연방 준비 제도 이사회가 무모하게 허공 수십억 달러의 수백을 만들고 사용해보고 정부 부채의 엄청난 양을 창출 . 그들은 일을 중지하는 우리에게 경고하고, 그러나 연준은 듣고 느리게 행동한다.

양적 완화가 우리 경제에 초래 된 것을 가장 큰 피해는 대부분의 사람들에 집중하는 단기 효과를 포함하지 않습니다. 오히려 양적 완화가 우리 경제에 초래 된 것을 가장 큰 피해는 미국 달러와 미국의 부채에 전세계의 믿음을 파괴하고 있다는 사실이다.

지금은 훨씬 더 미국 달러는 국내보다 외국에서 사용된다. 세계의 나머지 부분은 서로 무역에서 미국 달러를 사용하고, 주요한 수출 국가는 우리의 달러와 우리의 부채를 대량 비축.

우리가 그들로부터 최고 싼 수출을 얻기에 매우 의존하게하고 우리가 우리에게 우리 자신의 수조 달러의 대출 그들에게 매우 의존하게 때문에 우리는 필사적으로, 우리의 게임을 유지하기 위해 세계의 나머지가 필요합니다.

세계의 나머지가 있기 때문에 연방 준비 제도 이사회의 매우 무모한 행동 멀리 미국 달러와 미국의 부채에서 이동하기로 결정하면, 우리는 문제의 거대한 양이 될 수 있습니다. 우리의 현재의 경제 번영은 크게 다른 사람들이 세계의준비 통화로 우리의 달러를 사용하고 우리에게 매우 낮은 금리에 수조 달러의 대출에 의존한다.

그리고 이미 발생하기 시작하고있는 조짐이 보인다. 사실, 중국은 최근에 발표 한 그들은 더 많은 달러를 비축 종료려고하고있다 . 이는 연준이 수요일에 일을하도록 강요 느낀 이유 중 하나입니다.

그러나 연준이 한 것은 거의 충분하지 않았다. 아직도 매 달 허공 7백50억달러를 만드게 될 것입니다, 그리고 세계의 나머지 부분은 더 이상이 계속 우리의 시스템에 더 많은 믿음을 잃고 계속 할 것이다.

8. 전체 경제는 지속적으로 더욱 악화될 것 입니다

연방 준비 제도 이사회에 의해 전례없는4 년 이상 돈 인쇄의 불구하고, 전반적인 미국 경제는 지속적으로 감소하고있다. 당신이 의심하는 경우, "내 이전의 문서를 참조하십시오 ('2013 년 경제 회복이'거대한 거짓말 왜 37 가지 이유 ").

그리고 상관없이 연준이 지금 무엇을, 우리의 하락은 계속되지 않습니다. 같은 작은 도시의 비극적 인 몰락 솔즈베리, 노스 캐롤라이나는 전체 우리 나라에 무슨 일이 일어나고 있는지의 완벽한 예입니다 ...

2009 년에 끝나는 3 년 기간 동안 16 %의 솔즈베리의 빈곤 비율은 전국 비율보다 약 3 % 높았다.2010 년과 2012 년 사이에 다음 3 년 동안, 도시의 빈곤 비율은 30 %에 근접했다. 솔즈베리는 전통적으로 특히 섬유와 직물, 제조 부문에크게 의존하고있다. 최근 수십 년, 그러나, 생산 활동이 크게 감소를 계속했다. 2010 년과 2012 년 사이, 솔즈베리 제조업 일자리 - 노동 인구의 퍼센트로는 8.3 %에서- 15.5 %로 감소했다.

그러나 진실은 당신이 자신을 위해 우리의 경제 붕괴의 증거를 멀리 볼 필요가 없다는 것입니다. 당신이 해야 할 모든 지역 쇼핑 센터에 가서 하는 것입니다. 

JC 페니는 비슷한 운명을 겪고 있습니다. 리히터에 따르면  ,이 회사는 작년의 과정을 통해 엄청난 16 억 달러를 잃은 ...

그런 다음 JC 페니가있다. 매출은 지난 3 년간 27 % 감소했다. 이는 지난 4 분기 동안 이상 16 억 달러 손실. 그것은경영자의 회전문을 설치. 그것은 현금 출혈하고, 공급 업체와 지주는 이미 빠르게 자신의 손톱을 물렸다, 그것은 필사적으로 자금을 조달 할 필요가 있었다. 그래서 최근의 새로운 CEO, 즉 그 이전의 오래된 CEO 마이런 울만은 1.75달러 억 달러를 차입하고 그는 그것을 뽑아 날 악명이 된 9 월 말에 재고 판매에 7억8천5백만달러을 제기, 시스템에서 더 많은 돈을 추출하기 위해 밖으로 설정합니다.

그래서 과대 광고를 믿지 않는다.

경제가 더 악화되지지고 있습니다.

양적 완화 정책은 "경제를 구출"하지 못했지만, 그것은 확실히 우리의 장기 문제가 훨씬 더했다.

그리고 이것은 "테이퍼는"앞으로 더 좋은 일의 징조가 아닙니다. 오히려, 우리가 지난 몇 년 동안 즐길 수있다 거짓번영의 거품이 종료하기 시작 표시이다.

The Taper Is On – 8 Ways That This Is Going To Affect You And Your Family

The unelected central planners at the Federal Reserve have decided that the time has come to slightly taper the amount of quantitative easing that it has been doing.  On Wednesday, the Fed announced that monthly purchases of U.S. Treasury bonds will be reduced from $45 billion to $40 billion, and monthly purchases of mortgage-backed securities will be reduced from $35 billion to $30 billion.  When this news came out, it sent shockwaves through financial markets all over the planet.  But the truth is that not that much has really changed.  The Federal Reserve will still be recklessly creating gigantic mountains of new money out of thin air and massively intervening in the financial marketplace.  It will just be slightly less than before.  However, this very well could represent a very important psychological turning point for investors.  It is a signal that “the party is starting to end” and that the great bull market of the past four years is drawing to a close.  So what is all of this going to mean for average Americans?  The following are 8 ways that “the taper” is going to affect you and your family…

 1. Interest Rates Are Going To Go Up

Following the announcement on Wednesday, the yield on 10 year U.S. Treasuries went up to 2.89% and even CNBC admitted that the taper is a “bad omen for bonds“.  Thousands of other interest rates in our economy are directly affected by the 10 year rate, and so if that number climbs above 3 percent and stays there, that is going to be a sign that a significant slowdown of economic activity is ahead.

2. Home Sales Are Likely Going To Go Down

Mortgage rates are heavily influenced by the yield on 10 year U.S. Treasuries.  Because the yield on 10 year U.S. Treasuries is now substantially higher than it was earlier this year, mortgage rates have also gone up.  That is one of the reasons why the number of mortgage applications just hit a new 13 year low.  And now if rates go even higher that is going to tighten things up even more.  If your job is related to the housing industry in any way, you should be extremely concerned about what is coming in 2014.

3. Your Stocks Are Going To Go Down

Yes, I know that stocks skyrocketed today.  The Dow closed at a new all-time record high, and I can’t really provide any rational explanation for why that happened.  When the announcement was originally made, stocks initially sold off.  But then they rebounded in a huge way and the Dow ended up close to 300 points.

A few months ago, when Fed Chairman Ben Bernanke just hinted that a taper might be coming soon, stocks fell like a rock.  I have a feeling that the Fed orchestrated things this time around to make sure that the stock market would have a positive reaction to their news.  But of course I absolutely cannot prove this at all.  I hope someday we learn the truth about what actually happened on Wednesday afternoon.  I have a feeling that there was some direct intervention in the markets shortly after the announcement was made and then the momentum algorithms took over from there.

In any event, what we do know is that when QE1 ended stocks fell dramatically and the same thing happened when QE2 ended.  If you doubt this, just check out this chart.

Of course QE3 is not being ended, but this tapering sends a signal to investors that the days of “easy money” are over and that we have reached the peak of the market.

And if you are at the peak of the market, what is the logical thing to do?

Sell, sell, sell.

But in order to sell, you are going to need to have buyers.

And who is going to want to buy stocks when there is no upside left?

4. The Money In Your Bank Account Is Constantly Being Deval‎‍ued

When a new dollar is created, the value of each existing dollar that you hold goes down.  And thanks to the Federal Reserve, the pace of money creation in this country has gone exponential in recent years.  Just check out what has been happening to M1.  It has nearly doubled since the financial crisis of 2008…

The Federal Reserve has been behaving like the Weimar Republic, and this tapering does not change that very much.  Even with this tapering, the Fed is still going to be creating money out of thin air at an absolutely insane rate.

And for those that insist that what the Federal Reserve is doing is “working”, it is important to remember that the crazy money printing that the Weimar Republic did worked for them for a little while too before ending in complete and utter disaster.

5. Quantitative Easing Has Been Causing The Cost Of Living To Rise

The Federal Reserve insists that we are in a time of “low inflation”, but anyone that goes to the grocery store or that pays bills on a regular basis knows what a lie that is.  The truth is that if the inflation rate was still calculated the same way that it was back when Jimmy Carter was president, the official rate of inflation would be somewhere between 8 and 10 percent today.

Most of the new money created by quantitative easing has ended up in the hands of the very wealthy, and it is in the things that the very wealthy buy that we are seeing the most inflation.  As one CNBC article recently stated, we are seeing absolutely rampant inflation in “stocks and bonds and art and Ferraris and farmland“.

6. Quantitative Easing Did Not Reduce Unemployment And Tapering Won’t Either

The Federal Reserve actually first began engaging in quantitative easing back in late 2008.  As you can see from the chart below, the percentage of Americans that are actually working is lower today than it was back then…

The mainstream media continues to insist that quantitative easing was all about “stimulating the economy” and that it is now okay to cut back on quantitative easing because “unemployment has gone down”.  Hopefully you can see that what the mainstream media has been telling you has been a massive lie.  According to the government’s own numbers, the percentage of Americans with a job has stayed at a remarkably depressed level since the end of 2010.  Anyone that tries to tell you that we have had an “employment recovery” is either very ignorant or is flat out lying to you.

7. The Rest Of The World Is Going To Continue To Lose Faith In Our Financial System

Everyone else around the world has been watching the Federal Reserve recklessly create hundreds of billions of dollars out of thin air and use it to monetize staggering amounts of government debt.  They have been warning us to stop doing this, but the Fed has been slow to listen.

The greatest damage that quantitative easing has been causing to our economy does not involve the short-term effects that most people focus on.  Rather, the greatest damage that quantitative easing has been causing to our economy is the fact that it is destroying worldwide faith in the U.S. dollar and in U.S. debt.

Right now, far more U.S. dollars are used outside the country than inside the country.  The rest of the world uses U.S. dollars to trade with one another, and major exporting nations stockpile massive amounts of our dollars and our debt.

We desperately need the rest of the world to keep playing our game, because we have become very dependent on getting super cheap exports from them and we have become very dependent on them lending us trillions of our own dollars back to us.

If the rest of the world decides to move away from the U.S. dollar and U.S. debt because of the incredibly reckless behavior of the Federal Reserve, we are going to be in a massive amount of trouble.  Our current economic prosperity greatly depends upon everyone else using our dollars as the reserve currency of the world and lending trillions of dollars back to us at ultra-low interest rates.

And there are signs that this is already starting to happen.  In fact, China recently announced that they are going to quit stockpiling more U.S. dollars.  This is one of the reasons why the Fed felt forced to do something on Wednesday.

But what the Fed did was not nearly enough.  It is still going to be creating $75 billion out of thin air every single month, and the rest of the world is going to continue to lose more faith in our system the longer this continues.

8. The Economy As A Whole Is Going To Continue To Get Even Worse

Despite more than four years of unprecedented money printing by the Federal Reserve, the overall U.S.economy has continued to decline.  If you doubt this, please see my previous article entitled “37 Reasons Why ‘The Economic Recovery Of 2013′ Is A Giant Lie“.

And no matter what the Fed does now, our decline will continue.  The tragic downfall of small cities such as  are perfect examples of what is happening to our country as a whole…

During the three-year period ending in 2009, Salisbury’s poverty rate of 16% was about 3% higher than the national rate. In the following three-year period between 2010 and 2012, the city’s poverty rate was approaching 30%. Salisbury has traditionally relied heavily on the manufacturing sector, particularly textiles and fabrics. In recent decades, however, manufacturing activity has declined significantly and continues to do so. Between 2010 and 2012, manufacturing jobs in Salisbury — as a percent of the workforce — shrank from 15.5% to 8.3%.

But the truth is that you don’t have to travel far to see evidence of our economic demise for yourself.  All you have to do is to go down to the local shopping mall.  Sears has experienced sales declines for 27 quarters in a row, and at this point Sears is a dead man walking.  The following is from a recent article by Wolf Richter…

The market share of Sears – including K-Mart – has dropped to 2% in 2013 from 2.9% in 2005. Sales have declined for years. The company lost money in fiscal 2012 and 2013. Unless a miracle happens, and they don’t happen very often in retail, it will lose a ton in fiscal 2014, ending in January: for the first three quarters, it’s $1 billion in the hole.

Despite that glorious track record, and no discernible turnaround, the junk-rated company has had no trouble hoodwinking lenders into handing it a $1 billion loan that matures in 2018, to pay off an older loan that would have matured two years earlier.

And J.C. Penney is suffering a similar fate.  According to Richter, the company has lost a staggering 1.6 billion dollars over the course of the last year…

Then there’s J.C. Penney. Sales plunged 27% over the last three years. It lost over $1.6 billion over the last four quarters. It installed a revolving door for CEOs. It desperately needed to raise capital; it was bleeding cash, and its suppliers and landlords had already bitten their fingernails to the quick. So the latest new CEO, namely its former old CEO Myron Ullman, set out to extract more money from the system, borrowing $1.75 billion and raising $785 million in a stock sale at the end of September that became infamous the day he pulled it off.

So don’t believe the hype.

The economy is getting worse, not better.

Quantitative easing did not “rescue the economy”, but it sure has made our long-term problems a whole lot worse.

And this “tapering” is not a sign of better things to come.  Rather, it is a sign that the bubble of false prosperity that we have been enjoying for the past few years is beginning to end.

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