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David Cameron has joined eleven other centre right heads of government around Europe in calling on the European Union to put growth before austerity. Yes, honestly, although this isnt a road-to-Damascus conversion to Plan B for the British economy, but the emergence of a split on the European right about how to handle the crisis. It marks a division between liberals and neo-liberals. But is this just about political positioning and fine words for voters, or something deeper?
The liberals (who appear to be led by the French-German political hybrid Merkozy) value sound money, balanced budgets whatever the economic weather, stringent austerity and cuts in workers rights and wages. They believe growth will follow, presumably after we touch rock bottom and the only way left is up. The neo-liberals, on the other hand, at least recognise that this is an unpalatable path to tread.
In a struggling economy, firms are extra careful about promotions. Many people find themselves acting up for maternity or other cover. If theyre lucky, they get a temporary pay hike too. While extra money is, of course, welcome, it can be fools gold – causing nearly as much pain as good if handled wrong.
I was prompted to write this having been asked for tips by a publication for police officers, where many are currently being given temporary pay rises knowing theyll be reduced again once theyre returned to their substantive rank. We readjust our spending patterns at speed when theyre on the way up – but find it far more difficult to reduce spending on the way down. The see-saw isnt balanced.
Once given a pay rise people soon cut their cloth accordingly, taking on more commitments or just getting used to a lifestyle with more cash. After that, retrenching back to a lower salary is tough.
The life of a homemaker is one that includes an endless amount of demands and to-dos. Depending on the size of the home and family, the position of homemaker can go well beyond the usual nine to five.
We examined some of the tasks that a homemaker might do to find out how much his or her services would net as individual professional careers. We only took into consideration tasks which have monetary values and used the lowest value for each calculation.
Meal preparation is one of the major tasks of most homemakers. From breakfast to dinner, there is plenty of meal planning and cooking to be done. The American Personal Chef Association reports that its personal chefs make $200 to $500 a day. Grocery shopping is another chore that needs to be factored in. A homemaker must drive to the supermarket, purchase the food and deliver it to the home. Gro
Fixed mortgage rates jumped higher after seeing three straight weeks of record-setting lows, Freddie Mac said in its most recent weekly report.
According to Freddie Macs Primary Mortgage Market Survey for the week ending January 26, 2012, average interest rates for both fixed-rate and adjustable-rate mortgages increased week over week.
Fixed mortgage rates ticked up this week as the housing market ended 2011 on a high note, Frank Nothaft, vice president and chief economist at Freddie Mac, said in a statement. New construction of one-family homes rose 4.4 percent in December to an annualized rate of 470,000, the most since April 2010.
Average rates for 30-year fixed-rate mortgages rose to 3.98 percent after averaging 3.88 percent the previous week, while 15-year fixed mortgages rose from an average of 3.17 percent to 3.24 percent.
One year ago at this time, 30-year fixed mortgages averaged 4.80 percent, while 15-year fixed mortgages averaged 4.09 percent.
A new graph is making its way around the Internet that charts the amount of laughter recorded by Federal Open Market Committee (FOMC) stenographers during meetings between 2001 and 2006 during the ramp-up to the recession. The graph shows that committee members had increasingly more fun as the years passed, and suggests they could have been doing more to keep an eye on the growing housing bubble that would soon burst. The FOMC is expected to announce a new initiative regarding interest-rate projections and future impact, and many are wondering how many will be laughing. For more on this continue reading the following article from Tim Iacono.
The Federal Reserve transcripts from 2006 released ten days ago continue to reverberate around the internet as the central bank has become a laughing stock for being so unaware of the U.S.