Silver For The People

Silver Stackers Can End The Silver Manipulation And Stop The Criminal Banksters

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Study Shows Student Debt Delays Home Buying by Seven Years

mishtalk.com / Mike “Mish” Shedlock / September 18, 2017

The Student Loan Debt and Housing Report 2017 by the National Association of Realtors and the nonprofit group American Student Assistance shows the obvious: Student debt delays household formation, home buying, and saving.

***

The U.S. currently has a student debt load of $1.4 […]

US Tax Reform and the Fed

marctomarket.com / by Marc Chandler / August 31, 2017

Yesterday US President Trump formally launched his campaign for tax reform. The Big Six (Mnuchin and Cohn for the administration, McConnell, and Hatch from the Senate and Ryan and Brady from the House) had been meeting and were to craft a reform bill.

Last week […]

Government & Revolution – Is it Inevitable?

armstrongeconomics.com / by Martin Armstrong / Aug 15, 2017

I have been warning that as governments move closer to this major event of a Sovereign Debt Crisis which begins next year with the start of the Monetary Crisis Cycle, they historically will ALWAYS, and without exception, bite the hand that has fed them. The […]

How to live on $25,000 a year in low wage America: A guide to living on the per capita income.

mybudget360.com / July 9, 2017

Most Americans live paycheck to paycheck. We hear stories of people waiting until midnight at the end of the month so accounts can get filled with funds simply to buy food. This shouldn’t come as a shock given the per capita income of a working American is roughly $25,000. […]

Your Future Wealth Depends on what You Decide to Keep and Invest in Now

goldcore.com / By janskoyles / June 21, 2017

Millienials look for instant gratification Spend half of their income on leisure Instant gratification doesn’t work if need to save for the future Savings rates falling, few have retirement funds Important to understand marginal difference between spending and pleasure Future wealth depends on what you decide […]

THE GREAT GOLD SUPPLY DISCONNECT: Market Severely Undervalues Price

srsroccoreport.com / Steve St. Angelo / JUNE 7, 2017

The market has no clue that it has severely undervalued the price of gold. While Central bank intervention has worked hard at capping the gold price, the “Great Gold Supply Disconnect” will most certainly remedy that situation. This gold supply disconnect took place after the […]

New Study Issues ‘Code Red’ on Canadian Housing Affordability

financialsense.com / DANIELLE PARK / 05/10/2017

Shelter prices are so over-valued relative to income levels today, that saving just a 10% downpayment now takes 12 years on average, compared with just 5 years to save a 20% deposit twenty years ago. In many cases, people are trying to circumvent the waiting and saving period by […]

The Real Reason For America’s Looming Retirement Crisis

endoftheamericandream.com / by Michael Snyder / April 20, 2017

Did you know that approximately 40 percent of all American workers have absolutely nothing saved for retirement? And did you know that pension funds in the United States are currently underfunded by about six trillion dollars? Social Security is supposed to be the underlying safety net […]

Baby boom or bust: Retirement withdrawals now exceed contributions. Since 2008 US public debt up by $10 trillion, nearly the same as the Russell 3000 Index.

mybudget360.com / April 2, 2017

You knew it was only a matter of time before baby boomers started taking out their money from retirement accounts in mass. If you think boomers were rebalancing every year carefully, think again. We have now crossed an interesting threshold where retirement withdrawals exceed contributions. Part of this has to […]

Angst in America, Part 3: Retiring Broke

mauldineconomics.com / BY JOHN MAULDIN / APRIL 2, 2017

“The trouble with retirement is you never get a day off.”

– Abe Lemons

“Retirement at sixty-five is ridiculous. When I was sixty-five I still had pimples.”

– George Burns

“To be, or not to be, that is the question: Whether ’tis nobler in the […]

The world’s first pension crisis

sovereignman.com / Simon Black / March 30, 2017

In the late in the 5th century BC, the government of ancient Rome came up with a new idea that has lasted for thousands of years.

I’m not talking about their roads, republican form of government, or water sanitation.

Their bold idea was to start paying […]

WARNING: U.S. Ponzi Retirement Market In Big Trouble, Protect With Precious Metals

srsroccoreport.com / Steve St. Angelo / MARCH 28, 2017

The U.S. Retirement Market is in BIG TROUBLE as annual benefits paid out are now larger than total contributions. Actually, the amount of net withdrawals were the highest in history. When payouts become larger than contributions… then we have the making of the typical […]

1 in 4 US Workers Have Less Than $1,000 in Retirement Savings

schiffgold.com / BY SCHIFFGOLD / MARCH 21, 2017

The annual Retirement Confidence Survey (RCS) was released recently and shows 1 in 4 workers surveyed have less than $1,000 saved for their retirement. The RCS, published by the Employee Benefit Research Institute, measures statistics taken from 1,000 individuals aged 25 and over about their retirement […]

Boomer Parents and their Millennial Kids: Study Regarding Care and Finances

mishtalk.com / Mike “Mish” Shedlock / March 5, 2017

Fidelity has an interesting Family Finance Study about the attitudes and expectations of boomers and their millennial children regarding retirement finances and healthcare.

To qualify, parents had to be at least 55 years of age, have an adult child older than 25 and have investable assets […]

Gartman Is “Pleasantly” Long Again: “Those Who Are Short Shall Panic”

zerohedge.com / by Tyler Durden / Jan 25, 2017

With the Dow set to open above 20,000, here are some words of encouragement from Dennis Gartman:

THE US STOCK MARKET BREAKS OUT TO THE UPSIDE: Risk does indeed happen fast but for now the risk is that stocks may move away to the upside! Those […]

Pension Funds Need Gold

deviantinvestor.com / By Jp Cortez / January 24, 2017

Tens of millions of Americans and their employers pour money into pension plans each month, counting those funds to grow and to be there when needed at retirement.

But a time bomb awaits. The bulk of U.S. pension funds are dangerously underfunded, and the assets […]

Saving Retirement

financialsense.com / JEFFREY D SAUT / 01/23/2017

We have often written that when everyone is asking the same question, it is usually the wrong question. However, I have also found the converse to be quite true – if no one is asking a question, it is probably one that you want to at least ask […]

Record 95.1 million Americans not in the labor force. The challenge of having an army of non-working adults.

mybudget360.com / January 7, 2017

The year definitely ended with a bang and the number of Americans not in the labor force is now at a record high as well. 95.1 million Americans are now floating in the “not in the labor force” category that finally got some mainstream attention in 2016. This is a […]

Meet The NY Pension “Strategist” Who Traded Allocations For “Hookers And Blow”

zerohedge.com / by Tyler Durden / Dec 21, 2016

According to a complaint filed by U.S. prosecutors earlier today, Navnoor Kang, the former Director of Fixed Income and Head Portfolio Strategist at the New York State Common Retirement Fund, steered $2 billion worth of allocations to two “preferred brokers” in exchange for $100,000 […]

California’s Growing Public Pension Crisis

financialsense.com / INDEPENDENT INSTITUTE / 12/09/2016

The Kersten Institute for Governance and Public Policy at Stanford University has a project that tracks the liabilities of pension funds for state government workers across the nation, where the liabilities represent the gap between the money that the pension funds hold and how much they would need […]

Thursday Humor: Millennial’s Guide To Saving

zerohedge.com / by Tyler Durden / Dec 8, 2016 2:50 PM

Surviving Your 20s… How To Save For Retirement

Research the different ways your employer can assist in retirement saving, such as matching 401k contributions or tripling your salary.

READ MORE

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Cycles – A Fuse, An Explosive And The Igniting Catalyst

news.goldseek.com / By Gordon T Long / 1 December 2016

Investors need to focus on the two key long term structural changes now underway which are going to ignite destructive global dislocations through early 2020. To better understand why this is going to occur we need to place them in context by first examining the […]

Do Larger Federal Budget Deficits Stimulate Spending? Depends on Where the Funding Comes From

mauldineconomics.com / JOHN MAULDIN / NOVEMBER 30, 2016

In the true spirit of stepping outside the box, today’s OTB is a counterintuitive argument against the concept that fiscal deficits and/or infrastructure spending constitute effective economic stimulus. It comes from Paul Kasriel, who was one of my favorite reads when he was at Northern Trust, and […]

“A Million Dollars Ain’t Worth What It Used To Be…”

zerohedge.com / by Tyler Durden / Nov 24, 2016

Being a millionaire is overrated, according to Visual Capitalist’s Jeff Desjardins. The term itself has quite a few connotations, including many that have been ingrained in us since we were children. Becoming a “millionaire” meant being set for life, and not having to worry about […]

Lifetime Income: Retirement Pitfalls and How to Plan for a Recession

financialsense.com / FS STAFF / 11/22/2016

Many retirement planners often follow the standard advice in the industry based on historical returns and planned drawdowns rates, but the fact is, when you retire can make all the difference.

This time on the Financial Sense’s Lifetime Income Series, Jim Puplava discussed some of the pitfalls of model […]