Такой спад на рынке труда стал рекордным для всех рецессий в послевоенный период.
Число рабочих мест в промышленности снизилось на 207 тысяч, в строительстве - на 111 тысяч, а в сфере услуг - на 279 тысяч. Единственной сферой экономики, где рабочих мест прибавилось, стал государственный сектор. В январе государственные структуры приняли на работу дополнительные 6 тысяч сотрудников.
Безработица среди белых американцев составила 6,9 процента, среди чернокожих - 12,6 процента, а среди латиноамериканцев - 9,9 процента. Самый низкий показатель безработицы у выходцев из Азии - 6,2 процента.
В январе большинство крупных компаний, базирующихся в США, заявили о значительном сокращении рабочих мест. Только 26 января корпорации заявили о будущем увольнении 50 тысяч сотрудников.

Массовые увольнения должны повысить прибыльность компаний, которая существенно снизилась в результате экономического кризиса.
Администрация США пытается противодействовать обвальному падению занятости масштабными инвестициями в хозяйство страны. В частности, в плане поддержки экономики, который сейчас рассматривается в Конгрессе, предполагается создание 3,5 миллиона новых рабочих мест.
Источник: Boston Русская РЕКЛАМА №4(229) 17 феараля -2 Марта 2009.
My Point: Ударим автопробегом по бездорожью и разгильдяйству, в госсекторе, будит кому налоги, штрафы и пенальти собирать и Социалные пироги делить.

When did playing by the rules become a crime?

The housing legislation that the Democrat Congress is set to consider today includes something called “cramdown” It’s a provision of the bill that gives judges the power to rewrite someone’s home mortgage when they default and file for bankruptcy, reducing the principal balance on the loan. That is, if someone takes out a $150,000 mortgage on a $200,000 home and then defaults and files for bankruptcy, the judge can lower the mortgage to match the current, sunken value of the home – say $100,000.

It’s a good deal for the borrower. But, here’s the catch: lenders will no longer want to lend money for homes because a bankruptcy judge may use this “cramdown” power to, by the stroke of a pen, reduce the amount the borrower has to repay. Lenders will have to offset the risk of a “cramdown” by raising rates and tightening lending on the more than 90% of Americans paying their mortgages on time. In other words, if you acted responsibly – saved and sacrificed to buy a home you could afford – you now are being asked to give up a chunk of those savings for someone who was not as responsible.

Once again, if you lived within your means, played by the rules, worked extra hours, your reward is another loathsome bailout strapped to your back.
Washington should be lightening the load on responsible, hardworking Americans. Instead, they keep adding to your burden.
How much more out of touch can the Nancy Pelosi Congress possibly get?

Not that I'm a great supporter of this bill, however, what you so connveniently failed to mention, is that the cram down provision has long been available to commercial (investment) property and vacation home (2nd, 3rd, 4th...) owners. So as unfair as this bill may seem, all it is doing, is making the same options available to all of the home owners, not just the privileged few.

"Judges in the mid-1980s used Chapter 12 of the bankruptcy code to rewrite farmland values, aiding farmers who were also faced with falling commodity prices. After a year or two, the real estate market adjusted, Lundin said."

От перемены мест слогаемых сумма *не меняется. Белый или чёрный-' *WORLD BANK PROVIDES EVERY THING" (N).

You’re making an apples vs. oranges argument. Chapter 12 of the bankruptcy code is for farms. Всего 142 файла было в прошлом году. С домами это число перейдёт в сотни тысяч, потому что “cramdown” would create an incentive for people to stop paying their bills and file for bankruptcy just to get their mortgage reduced by a judge.

It’s 100% sure that mortgage rates will go way up if this passes for two reasons:

1) any loan has something called a “risk premium”. That’s the amount the lender wants to get above what they would make in a risk-free investment (US Treasury bonds, usually). Риск списания от $50K до $100K makes the risk for the lender go way up, so the risk premium would go up by 3 to 5 %. (My husband has a Master’s degree in Finance, and those are his estimates if he had to make a loan under those conditions.)

2) Some banks will just stop making mortgage loans because of the risk. Fewer lenders means more competition for loans, which also will drive up interest rates. After all, interest is really the rent you pay to borrow someone else’s money, if you think about it.