EU: Banking Crisis: Solving Financial Crisis - Taking destructive Potential off Banks' Balance Sheets

Author Thomas Ramseyer

Rescue of the World's Financial System

Special Situations ask for Special Action

The Goal is the Survival of the worldwide Financial System

European Central Bank (ECB) supporting Market

Banks to found Shareholder Company (SPV); they outsource all Derivatives into this Special Purpose Vehicle

ECB buys debt of countries shaken by politicians, rating agencies and markets. By the end of November ECB has bought government bonds of EU-members amounting to some EUR 203.5 billion.

Impakt accurate to textbook

1) Sight funds massivly mushroom

The public holds additional EUR 203.5 billion on sight (cash and bills) because of ECB action taken.

2) EUR considered shaking more and more

Investors sell EUR against other currencies such as CHF. These funds are held very short term. Alternativly investors may buy treasury bills or debt of Swiss National Bank (SNB).

3) Domestic interest rates are pressurized

Swiss Government yield curve hover dependent on duration between 0.01% (one year) and 0.93s% (10 year).

Swiss Government debentures are even issued at prices above par thus negative rates.

4) Escape from EUR

Banks sell EUR as well as USD to the Swiss National Bank (Switzerland's fully fledged central bank). The latter's foreign exchange assets broaden to CHF 305.281 billion. (evaluated in Swissfrancs: USD 103.01 billion, EUR 154.876 billion, Yen 20.8 billion, CAD 9.1 billion and others 7.078 billion)

5) Funds never leave their domestic markets

The Swiss National Bank invest the proceeds of foreign exchange transactions in the specific countries' treasury bill market. 

Remarks

1) The content of the worldwide barrel does not change

The investors linger at the sideline. If the trust of investors and other institutions of the troubled countries thus in the earlier sold currencies ameliorates the weel will turn the other way round once more.

2) Investors are ready to act; they maintain liquidity

The investors linger at the offshoot. Once trust in the now ailing countries comes back the weel is turned back.

3) Recovery will upgrade economy - confidence ameliorates

EUR, USD and other currencies are bought back; money supply in Switzerland contracts. Same is valid for EU. EUR-bonds are being asked for again (e.g. Germany's flop emerged because of incertitude regarding the umbrella) or bought back by the ECB. ECB's money supply contracts; interest rates trend higher.

Important

In a crisis the public is not ready to contribute equity to the banks' balance sheets. Credits not needed (high interest rates) are being cut. Thus the banks' debt/equity relation upgrade by restructuring the business activity. This will shorten the balance sheets. Unwinding of derivatives also contributes to the downsizing.

Because of severe uncertainty regarding further interventions of the central banks liquidity provided by foreign exchange transactions and other measures taken at very low interest levels the public does not ask for it nor the banks do offer it. Other reason also is the worldwidely faltering economy. Regarding the insecurity of the time horizon of the Central banks' and International Monetary Funds (IMF) action taken, stakeholders around the globe are reluctant to tap the market.

Remedy and Advice

Emergency situations ask for emergency measures

The financial system is concedered to survive

Governments

1) Similar to Swiss National Banks' stability fund

On the occasion of freeing UBS from "poison papers" ECB has to invent an identical construct: issue credit to the EU; management by ECB. EUR 203 billion are transferred to the special purpose vehicle. On account of EU's stability fund ECB accumulates depending on EU-members' debtduration bonds and bills with remaining lives of one month to four years. ECB focuses on Italy and Greece. ECB concentrates on Italy in the first place because one third of the latter's debt expire in 2012. Such papers are held until their final redemptions. As a matter of fact his turns out to be a guarantee of the EU.

2) All credit rating agencies' judgements EU does not consider

Rating agencies are disempowered regarding EU-members' government debt. The investors ascertain the Quality themselves. They enforce their research departments and take back responsibility.

3) The recovery of ramshackled EU-members' financial situations

are discounted by the Euopean Union.

Banks

4) World wide banks get rid of their derivative assets 

by forcedly putting them on the balance sheet of a share holder company at market conditions. Those banks hold shareholder capital of the company just found according to their ceded assets.

5) Unwinding of the items

The shareholder company unwinds all active transactions existing between the banks. The result of this unequally sense making Special Purpose Vehicel (SPV) will turn out to be zero. It can be liquidated.

The cost of unwind, foundation and liquidation are to be debited to the banks according to their stakes.

6) Further SPV to be found by banks

The purpose of this shareholder company is similar to a stock exchange's to enable private households' (institutions, private investors and governments) transactions. As those positions do counterbalance each other the total of the market value sums up to ZERO.

7) Revenue achieved from exchange transaction

The Result of the exchange activity is to be credited to the shareholders' accounts according to their participation. Turnover tax will be transferred to the government.

Remarks

The impact of the measures taken is that the risk taking private households (institutions and private investors) and governments bear the netrisk. All influence to bank balance sheets thus are eliminated.

The volatility of the markets cools off. The banks gradually approach their core business which is to facilitate payments as well as reasonably sized credits.

United States President Obama's full-boldied announcement to provide support and help for the EU and the whole world including the US respectivly, must be the persuasion of the politicians of the countries with banks active in the derivative market.

copyright Thomas Ramseyer

http://www.xing.com/profile/Thomas_Ramseyer5

EZB/ ECB: Rettung des weltweiten Finanzsystems: Interventionen der EU und der weltweiten Finanzindustrie | EZB gründet der SNB ähnlichen Stabilitätsfonds

Autor Thomas Ramseyer

Europäische Zentralbank (EZB) stützt den Markt
Banken gründen eine Aktiengesellschaft (SPV); sie bringen sämtliche Derivativpositionen in diese Gesellschaft ein

EZB kauft Anleihen von Politikern und Märkten marode gemachter Staaten. Bis Ende November hat die EZB Staatsobligationen von EU-Mitgliedstaaten im Umfang von rund EUR 203.5 Milliarden gekauft.

Effekte getreu dem Textbuch
1) Sichtguthaben vergrössern sich massiv

Das Publikum hält wegen diesem Programm EUR 203.5 Milliarden mehr in der Kasse. (Sichtguthaben, Noten)

2) EUR zunehmend als unsicher erachtet

Die Anleger verkaufen EUR und erwerben andere Währungen wie etwa CHF. Diese werden kurzfristig, das heisst als Sichtguthaben gehalten. Allenfalls kaufen solche Anleger kurzfristige Obligationen und eigene Schuldverschreibungen der Schweizerischen Eidgenossenschaft.

3) die Zinsen in der Schweiz geraten unter Druck

Die Zinskurve für Eidgenössische Obligationen befindet sich je nach Laufzeit zwischen 0.01% (1 Jahr) und 0.93% (10 Jahre).  

Schuldverschreibungen der Schweizerischen Eidgenossenschaft werden seit geraumer Zeit mit NEGATIVZINSEN ausgegeben.

4) Flucht aus dem EUR

Die Banken verkaufen EUR und USD an die Schweizerische Nationalbank (Zentralbank der Schweiz). Deren Devisenbestand weitet sich auf CHF 305.281 Milliarden aus. (Wert in Schweizerfranken: USD 103.01 Mrd, EUR 154.876 Mrd, Yen 20.8 Mrd, CAD 9.1 Mrd und übrige 7.078 Mrd) 

5) Die Mittel verlassen die Heimmärkte nicht

Die Schweizerische Nationalbank legt solche Gelder in den jeweiligen Ländern in Form von kurzfristigen Staatspapieren an.

Bemerkungen
1) Der Inhalt des Beckens ist immer noch gleich gross

Der Rundlauf ist vollzogen. An der Gesamtliquidität der involvierten Staaten hat sich wegen der beschriebenen Transaktionen nichts verändert. 

2) Anleger bereit zu neuen Taten; sie halten die Liquidität

Die Anleger befinden sich an der Seitenlinie. Wenn das Vertrauen der Anleger und anderer Institutionen in die in Schwierigkeiten geratenen Länder und somit die verkauften Währungen steigt, wird das Rad ganz einfach zurückgedreht. 

3) Heilungsprozess verbessert die Wirtschaft - Vertrauen steigt

EUR, USD und andere Währungen werden zurückgekauft; die Geldmenge in der Schweiz verkleinert sich dementsprechend. Ebenso geschieht es im EUR-Raum. EUR-Obligationen werden wieder gezeichnet (Bsp. Misserfolg Deutschland vor zufolge grosser Unsicherheit bezüglich Rettungsschirm/Eurobond) bzw. von der EZB zurückgekauft. Die Geldmenge nimmt ab, die Zinssätze tendieren höher.

Wichtig
Das Publikum ist während der Krise nicht bereit, den Banken zu mehr Eigenkapital zu verhelfen. Unbenötigte Kredite (hohe Zinssätze) werden abgebaut. Die Eigenmittelrelationen der Banken verbessern sich zufolge Redimensionierung der Geschäftstätigkeit. Dies führt zur Verkürzung der Bilanz. Zur Verkürzung der Bilanzen tragen auch Abwicklungen aus Derivattransaktionen bei.
 

Wegen der grossen Unsicherheit bezüglich weiterer Interventionen  der Zentralbanken werden die wegen Devisentransaktionen zur Verfügung gestellten tief zu verzinsenden Mittel vom Publikum weder nachgefragt noch von den Banken angeboten. Das Vertrauen des Publikums in die Europäische Zentralbank ist empflindlich gestört. Bezüglich der Fristigkeiten der Interventionen herrscht grosse Unsicherheit.

Remedur und Empfehlung

Notsituationen erfordern Notmassnahmen

Es geht um das Ueberleben des Welt weiten Finanzsystems

1) Oeffentliche Hand

1.1) Aehnlich des Stabilitätsfonds der Schweizerischen Nationalbank

 anlässlich der Befreiung der UBS von sogenannten "Giftpapieren" eröffnet die EZB ein exakt identisches Konstrukt: Kredit an die EU; Management durch die EZB. EUR 203 Mrd lagert sie in diesen Fonds um. Für Rechnung des Stabilitätsfonds erwirbt die EZB je nach EU-Mitgliedstaat deren einmonatige bis vierjährige Anleihen. Vor allem Griechische und Italienische Papiere. Sie konzentriert sich vor allem auf Italien mit einem Drittel seiner Fälligkeiten im Jahre 2012. Solche Papiere werden bis zum Endverfall gehalten. Dies erlaubt die faktische Garantie der EU als Ganzes.

1.2) Bonitätsbeurteilungen sämtlicher Ratingagenturen lässt die EU ausser Acht
Die Ratingagenturen werden entmachtet. Die Anleger bestimmen die Bonitäten selber. Sie verstärken ihre Research Abteilungen und übernehmen die Verantwortung wieder selber.

1.3) Verbesserung der Staatsfinanzen
maroder Länder nimmt die EU ganz einfach voraus.
 
2) Banken 
2.1) Gründung einer Aktiengesellschaft zwecks Rückabwicklung sämtlicher Derivativpositionen zwischen Banken
Sämtliche Banken bringen ihre mit Bank-Gegenparteien gehaltenen Derivativpositionen
zwangweise und der Einfachheit halber zu Marktkonditionen in eine Aktiengesellschaft ein. Sie beteiligen sich im Umfang ihrer mit Banken gehaltenen Nettopositionen am Aktienkapital der neu gegründeten Gesellschaft.
 
2.2) Rückabwicklung der Positionen - Unwinding
Diese Aktiengesellschaft wickelt sämtliche zwischen diesen Banken ausstehenden Transaktionen ab. Das Ergebnis dieses in der Geschichte einzig sinnvolle Special Purpose Vehicels (SPV) wird Null sein. Es kann aufgelöst werden. 

Der Aufwand aus Abwicklungen, Gründung und Auflösung wird den Banken gemäss deren Anteile belastet.
 

2.3) Eine weiteres SPV wird von den Banken ins Leben gerufen 

Der Zweck dieser Aktiengesellschaft wird ähnlich einer Börse der Handel zwischen den Privathaushalten (Institutionen, Privatanleger und Staaten) sein. Da sich diese Positionen gegenseitig kompensieren, ist der Gesamtwert des Marktes gleich NULL.
 
2.4) Der Ertrag aus den Börsentransaktionen 
wird zwischen den Aktionärsbanken anteilmässig aufgeteilt. Die Umsatzabgabe wird an die öffentliche Hand abgeführt.
 

Bemerkung

Der Effekt  aus diesen Massnahmen ist, dass die letzlich Risiko tragenden Privathaushalte das zusammen das Nettorisiko tragen. Sämtliche Einflüsse sind auf diese Weise aus den Bankbilanzen eliminiert.
 
Die Volatilität der Aktienmärkte verringert sich. Die Banken nähern sich sukzessive ihrem Kerngeschäft an.

Die vom Präsidenten der USA vollmundig angekündigte Hilfe ist die volle Unterstützung in die weltweite Ueberzeugungsarbeit.

copyright Thomas Ramseyer

http://www.xing.com/profile/Thomas_Ramseyer5?sc_o=mxb_p

Impact of the Crisis ? Five children found shot dead ! Father kills himself ! Naive Investigators pondering about motivation action ! Collective suicide

QUOTE AWP
In der Kleinstadt Graham im US-Bundesstaat Washington sind fünf Kinder aus einer Familie tot aufgefunden worden. Die Polizei fand die Leichen der vier Mädchen und ihres Bruders in ihrem Wohncontainer, wenige Stunden, nachdem bereits ihr Vater tot aufgefunden worden waren. Die Kinder im Alter zwischen sieben und 16 Jahren wurden erschossen. Die Ermittler vermuten, dass der 35-jährige Vater seine Kinder umbrachte, bevor er seinem eigenen Leben ein Ende setzte. Das Motiv der Tat ist noch unklar, die Ermittlungen dauern an.
UNQUOTE AWP

Translation
START
In Washington state's small town Graham investigators report finding familiy shot dead. Police found the corpses of four girls and their brother in a Container serving as the family's accommodation only some hours after the father's dead body has been found. The children aged seven to sixteen years had been shot. Investigators reckon that the 35-year old father has killed his children BEFORE he put an end to his own miserabel life. The motive is not yet known with the police going on in poking the case.
[In case of diverging content the german text only is valid]
END

Author Thomas Ramseyer
5. April 2009

Some questions raised - everybody knows the answers
Since when does the family live in a container? Since when the father is jobless? When did the family loose their house and most of their belongings?

Which Bank or Insitution got hold of the house the latter to be executed? When did the mother leave the family? Did the children still go to school? When hat the father to sell his family car? When did the family do their last real shopping? Were they starving by lack of nutrition?

Why was the father fought off by the town's authority backed by only flimsy reasons? Why did the send him to the desert? Has the family a immigrant background? Where did they come from? How many homeless, jobless, diprived from sanitarian infrastructure, lacking social life, starving poor human beings does this town count?

Why the investigators reckon that the father has shot himself only upon completion of his children's extinction? Do investigators also reckon that the doorhandle has to be pressed down before opening its door? Why those investigators are still on duty? How about the number of criminal incidents solved by Graham Police?

Smal Town Graham: how is the treatment and support of the poor? Does this town take responsibility for all its citizens and infrastructure? How citizens are treated on average? How do the citizens vote? Is the majority republican?

US-State Washington: what does this state undertake as to support its towns, citizens and its rural regions? Does this state take responsibility?

United States of America: what are the actions taken by the democratic - if ever it is democratic - administration to support their people? Why the supportively created money flows only into financial instutions? Why is the people - they are the savers and investors as well as the politicians' and administrators' of all levels employers - being totally ignored by the governments while the parliament has flow the money right to scruffy plants and ramshackle financial institutions? Does their buying back acitivity at cheap levels show the depriviation of the public?

Why the state wants to extend and renovate the infrastructure as well as reorganizing security forces while massive extention? Why does the people always send the wrong ones to govern? Why do politicians only sing fancy tunes for their pepole; no tangibles but only INtangibles, such as " "we Americans are the "hardest" working people on the world (sic!)", we Americans are going to do it "once" more ! Is once more the last time ? Why does the US-Administration think that the rest of the world would be lost without North America ?Why do people al the time witness administrations' arrogance of such magnitude? Why the US-president's mimicry of the russian? Is this entertainment only? Why the Bundeskanzler Merkl has herself invited to the White House by the First Lady only instead of awaiting official initation of the German Republic ?

Why do all political leaders laugh on all occasions despite their knowing about the gravity of the political, economical as well as the military world's situation? Why does Switzerland's president, finance minister Merz NOT laugh nor smile when talking politics and economics?

Merz does not laugh; is he the only one to realize the desperate situation the north hemisphere countries are facing?

The answers just are evident !!
Anybody can answer all by themselves . . . . . . .

Findings
Whole world's souvereing, taxpayers thus employers has hired the wrong people which do not realize the problems to be solved; there is no remedy. WEF, G20 and all the frantic travelling as well as the soothing demagogic speeches pregnant with promises, which are not yet ratified by the parliaments due to political or particular interest prove helpless politicens' inability.

copyright Thomas Ramseyer
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WEF Davos: non-event, G20 summit: non event - US-President Barack Obama gets cheered while talking of a world without nuclear weapons !!! this man for sure has a dream . . .

Author Thomas Ramseyer
Broad Smiles are not very helpful to solve the actual crisis
Neither do counts about unrealistic dreams. The measures taken are just the ones we have always witnessed; liquidity to save the wealthy and deprive the people of their belongings. Wide mouths do not fit the actual situation the american debt policy has caused once again and will cause as many times as possible in the future.

World War II considered the right remedy to solve joblessness
People shall be aware of the fact that some consider world war II been the right remedy to solve the problem of the then faltering economy. In fact it did. Joblessness in the US, Joblessness in Europe, depression all over the world.

Under the noses of all other countries the political system in Germany turned from democracy to dictatorship. Worldwide nobody offended. Everybody lingered at the sideline to watch not even to comment. Neighboring countries were delighted by having Germany buy all sort of military goods abroad. Certain countries made profit out of Nazi-Deutschland's evil activity.

Whole World as spectator of evil development
Then German Wehrmacht blitzed the bordering countries, everybody let them do. Poland once again was standing in the rain. Great Britain broke its mutual assistance pact just to make sure the flame to spread. They let them destroy soil, seed and food while on the retreat.

Destruction decided in hidden chambers
They already decided to destroy them for good even taking in account collateral damage. Old age people, youngsters, women and children, infrastructure, churches, libraries and others were heavily bombed by cold blooded gamers. Only technically world leading weaponry development plants were spared because their later transfer to the US and the UDSSR to the latters benefit.

Civil economy exchanged for war driven economy
The war driven economy was to replace by a civil driven economy. The money invested through the Marshall Plan - European recovery plan - by United States wealth was paid back x-fold to the investors. I.e. Buy VW and whatsoever other shs at almost zero, have the German people rebuild their economy, create purchase power by the use of the hardest working Germans and skim that milk.
It is evident: nobody seems to find the solution to get the economy brought down by US-policy going again
 
WEF at Davos in Switzerland:
desperate toppers held lengthy palavers only to prove their unability to solve.

G20 at London in Great Britain:
the same picture; no solution found. A lot of palaver and a lot of promises postponing what matters.

Helpless effort to put economy back on track
For the time being the old means of pumping in liquidity to pimp the economy is being applied. The US force the other countries to undertake the same easing of liquidity for the fronted reason of their currencies not getting too strong. They even buy outright the US-papery money thus preparing the soil for another all countries' ripping off by the US. [As done before the US will "assist" the central banks abroad in neutralizing their domestic liquidity - do not forget, remember; created by domestic central bank action - by raising domestic funds to be converted into USD through the mean of short-term bonds]

Again; start war to create potential of reconstruction ?
Another remedy to solve the problems of the worldwide economies used to be setting war off. The soil thereof is being prepared right now. US vs (Israel, West Bank, Gaza Strip, Irak, Iran, Pakistan, India, Ceylon, North Korea, Thailand, Cambodia, Afghanistan) Russia (Chechnia, Georgia, Poland, Csech Republic) and China (Tibet, Formosa, North Korea) Africa seems to be forgotten, it simply is ignored. There they let Lybia's Ghadaffi do the work. Europe - even the Swiss -, China and others but for the US vs (misled somali fishermen, sudanese riders watched from the sideline while killing darfur people for oil) as well as watching the Congos killed by some rebels forgotten to disarm. (Purpose?)

Northern hemisphere countries arrogantly ignore the southerners - for what purpose?
Why does the north ignore the south in all discussions? Why is the south not part of the summits? Why is the north as arrogant as its countries are proving? Why certain countries are not treated equal but inferior? Why is the northern press reporting only the negatives about the south? Why does the north still publish Keystone's pictures of the very past as if they were of present times? Why is the subharan africa used as a bloody-minded continent?

Easy answer
The answer is easy: we try to keep them ignorant simply for the reason of our desperatly being in need of their resources such as oil, metal and other precious. (still colonialism but very sophisticated) This being done by preventing them from studies - no access to northern universities, no immigration for the purpose of work, no internship allowed, no students' exchange allowed, exclude them from everything to state some of the reasons.

Collateral damage deliberately provoked
Maybe we are preparing to take in account another collateral damage. The latter emerges if we, the northerners, do not assist the subsharan african countries have their own domestic economies develope. There will be problems such as are all over the continent; i.e. Sudan, Somalia, Congo, Kenya and others. Maybe the reason behind our ignoring certain regions is our will to exchange evil and decay against strategic resources.

Assumptions
1) Because of the heavily indebted American population the world wide demand despite overshooting liquidity never will pick up again. (Liquidity is but assisting the ones which commited the faults by having them buy back their debt at lowest levels)

2) America having been the most aggressive importer of durables and strategics so far cannot afford the same behaviour as before. Thus the US economy bobbing up and down for quite some time will prevent all other countries from picking up.

3) The capital investments - renewal and growth of capacities - will not be accomplished without private sector's demand. Liquidity will lack the future being sombre. Bankers are frightened thus parking their money with the ramshakle governments taking advantage of an at least 2 percent interest rate spread.

Findings
By applying the overdue remedies of liquidity pump as well as papery explosives the deadbeat economies will never recover. Riots will take place all over the globe the population being keen on survival. Governments will be exchanged forcedly this democratically or by the iron. Armies and police are overrun by numerous people.

Recommendation
1) Assist "poor" countries have their domestic economy develope! [Remember: a lot of them are not wealthy, they have nothing. Having nothing also means having no debt thus they are rich because of being prepared to take off] Do not shock the people by inventing huge plants! There must be small steps to gradually grow the economy. Let people participate!

2) Think a bit farther then to the end of the tip of your noses! [The impact on the global heating and the environment is much higher if wrecking bonuses - instead of used to wreck cars in fact still being roadworthy - are granted to car importers abroad their government proving them to wreck a real ancient dirt providing chinese lorry or an european 60s' car]

3) Assist those countries have blast furnaces build as well as building a recycling iron and steel business.

4) Assist those countries have their people educate on the job thus haveing them get able to run the business on their own.

5) Always find the root, the real reason of things happening! Do not just fight the symptoms. I.e. Horn of Africa.

Final Remarks
Due to demographic's development it is inevitable to assist subsaharan african countries in developping their domestic economies. Thereof a powerful economic force will emerge thus stepping in and having things go on. Given the actual and future pyramid of age due to fertility and mortality the southerners will step in to overtake our infrastrucure while securing our sunset years.

copyright Thomas Ramseyer
http://www.xing.com/profile/Thomas_Ramseyer5?sc_o=mxb_p

USA: US government at its wit's end - the real reason for the recent finance system's crash - to cure austerity

Author Thomas Ramseyer
3. März 2009
US government to detect and reveil what they think to be the real reason for the crash. Their people lack credit knowledge. The Administration launches a website for to educate the myriades of creditors widely spread all over the US. http://www.controlyourcredit.gov/ - Ridiculous . . . just monkey jacket business. They real thing being austerity they would rather prepare the people to save and starve instead of have their bodies talk the adverse to the souvereign.


Some people not impacted by the disaster
It is understood that this time "the US" means the developed states: texas, California, New York, New York City, Washington, Pensylvania, Florida. Only the Amish, Mormones, Witnesses, Apalachan boys and the Everglade people to not owe. They only owe each others, no banks, no interest rates thus no liquidity pressure. The crash does not affect them. They and the mountenairs maybe be the drivers in the seats.


Lateral thinkingto helping to cure the starving system
The situation being exceptional something exceptional has to be done. Something inventive and very new to anybody. Nobody would offend, their savings saved. No pimping up liquidity is needed causing the desaster at a later stage.


Untruly booking rules imposed
Instead of manipulating balance sheets and profit and loss statements by untruly have their clerks change the rules of evaluation - which in earlier times people got sacked for - they simply can unwind all the derivative positions. Unwind them at the original conditions as if they never have been signed. Lehman just would rise as phoenix from the ashes. The whole financial system will recover. But this is not wanted by the buyers of the infrastructure they would rather want to pick the shattered enterprises from the ground.

Remarks
In the US people with no creditor's reckord never ever are eligible to get a credit. Paying down a credit of USD 10'000 leads to next time get the double; this too ridiculous. For each USD 10'000 interest paid monthly to the greedy banker those ignorants in fact are fussing about with some USD 200'000; they keep up with the Joneses. An interest rate increase of 1% at a level of 5% means their costs exploding by some 20%. This provoking their depositing their house keys.



SuggestionJust do the thing instead of talking like a baby with faces not matching the words you utter. Be transparent, honest and of integrity, inform the people consider them mature.

© Thomas Ramseyer
http://www.xing.com/profile/Thomas_Ramseyer

DEMOGRAPHICS: foreseeable future - adolescents' numbers' major shift from the northern hemisphere to SubSaharan Africa by 2050

Author Thomas Ramseyer

25. Januar 2009

Demographics: foreseeable future - major shift of the (zero to 19 year) bracket from the northern hemisphere to SubSaharan Africa by 2050

* * *
major shift throughout demographic characteristics already are set
fuse is lit
time delay factor 10 to 40 years
* * *
German version

Reflection on o|AVENIR|SUISSE|1oo estimation as per 2050

Overall remarks

with regard to the age brackets

the world wide population will grow by some 2'999'000'000 individuals
the range of  
20 to 64 years of age to grow by 1'859'000'000 heads
agegroup  
65 and more to grow by 1'080'000'000 heads
agegroup  
1 day up to 19 years of age to grow by ONLY 25'000'000 heads

with regard to the regions

the worldwide growth of 2'999 Million will be due to

decreasing

Europe (EU EWR CH) 45 Mio
Europe and Central Asia 7 Mio and

increasing

North America 36 Mio
Middle East and North Africa 290 Mio
Latin America and Carribbeans 340 Mio
East Asia and Pacific 375 Mio
South Asia 985 Mio and Sub Saharan Africa 1'025 Mio

Bracket 1) age up to 19 years

the total meager growth of 25 Million is the resulat of the major shift from

decreasing

East Asia and Pacific 180 Mio
Europe and Central Asia 45 Mio
Europe 25 Mio
Latin America and Caribbeans 20 Mio
North America 15 Mio
South Asia 5 Mi

increasing

Middle East and North Africa 15 Mio
Sub Saharan Africa 300 Mio.

Bracket 2) age 20 to 64 years

the total very significant growth of 1'895 Million is due to a

decrease

Europe (EU EWR CH) 70 Mio
Europe and Central Asia 5 Mio

increase

North America 5 Mio
East Asia and Pacific 165 Mio
Latin America and Caribbeans 200 Mio
Middle East and North Africa 205 Mio
Sub Saharan Africa 655 Mio
South Asia 740 Mio

Bracket 3) age 65 and more years

the total growth of 1'079 Million is composed of

increasing

Europe and Central Asia 43 Mio
North America 46 Mio
Europ (EU EWR CH) 50 Mio
Middle East and North Africa 70 Miol
Sub Saharan Africa 70 Mio
Latin America and Caribbeans 160 Mio
South Asia 250 Mio
East Asia and Pacific 390 Mio

Remarks

decrease
caucasian population 52 Mio
Europe and Central Asia - 7 Mio
Europe (EU EWR CH) - 45 Mio

increase

North America 36 Mio
presumably only because of today's numerous young immigrants with
high fertility rates from Middle and South America, the Caribbeans as well as the Pacific
thus the caucasian origin's 65+ population will grow by 139 Million.
almost as much as today's populations of Germany 82 Mio and Italy 58 Mio together

Imagine

Germany and France - a very huge old age retirees' resort

a second even vaster basin of retired with a roughly 870 Mio heads'
increase will emerge from
Middle East and North Africa 70 Mio
Latin America and Caribbeans 160 Mio,
East Asia and Pacific 390 Mio
South Asia 250 Mio

compare 870 Mio additional 65+ population to today's total population of the United States of America 300 Mio, European Union 491 Mio
Thailand 65 Mio and the matter's severity will dawn on you or even gives you the creeps

Upshot

the real problem the world is to face is not environment pollution nor climate change and heating of the spheres but the demographics

© Thomas Ramseyer-Volkart
http://www.xing.com/profile/Thomas_Ramseyer5?sc_o=mxb_p