Making Sense of the Financial Mess: Cypher 13

THE GLOBAL FINANCIAL CRISIS Everyday the world hears how the United States Financial Meltdown directly impacts the Global Financial Crisis. There is no one solution to fix the global economy but it is clear that the U.S. is at its center. As world citizens it is difficult to understand how a global financial powerhouse like the U.S. could create such a financial mess. It could be suggested that the deregulation of the U.S. Economy coupled with immense greed has directly spawned our current world economic crisis. The Beginning to the End... and back again. Rp - J$ - CHF - C$ - B/. - Gs - S/. - Php - zł - lei - py6 - AMH. - S-R- NTS - NT$ - TTS - YTL - Z$ -$-f-p. -6 - BZS - $b - nB - RS -£ - kn - kr -L- HKD - Ft - Rp - J$ - CHF - C$ - B/. - Gs - S/. - Php - zł - lei - py6 - AnH. J$ - CHF - C$- B/. - Gs - S/. - Php - zł - lei - py6 - AMH. - S- L-ZS -$-f- p. - € - BZ$ - $b - NB - R$ -£ - kn - kr - L- HKD - Ft - Rp - J$ - CHF - C$ - B/. - Gs - SI. - Php - zł - lei - py6 - AMH. $$$$$$$$ $ $ UNITED STATES GOVERNMENT WALLST FEDERAL RESERVE US TREASURY -p. -€ Php - zł $-f-p. - € - BZ$ $-f-p. - € - BZS - SUPPLY DEMAND SPENDING SUPPLY DEMAND SPENDING SUPPLY DEMAND SPENDING U.S. PRIME MORTGAGE LENDING U.S. GOVT. U.S. SUB-PRIME MORTGAG U.S. GOVT. U.S. BROKEN FINANCIAL SY REGULATION U.S. GOVT. DE-REGULATION RE-REGULATION MORTGAGE LENDER BROKER MORTGAGE BROKER BANK MORTGAGE A FROVED ROVED AP O INCOME * ASSETS O GOOD CREDIT O DOWN PAYMENT VALUE VALUE BANK O INCOME Õ ASSETS O GOOD CREDIT O DOWN PAYMENT LENDER O INCOME O ASSETS O GOOD CREDIT * DOWN PAYMENT LENDER BANK MONTHLY PAYMENTS PRINCIPAL + INTEREST 24 MONTHLY PAYMENTS FORECLOSED MONTHLY PAYMENTS WHAT DO YOU WANT TO PAY? WHAT CAN YOU AFFORD? VALUE INVESTMENT DOLLARS www.COM I 9/11 IRAQ WAR $$$$$ www.COM U.S. GOVT. CONSUMER CONFIDENCE BAILOUT $$ January 1, 1999: $1.00 = ¥113.3 / py622.2/ T18.27890 / £0.61 / €0.86 January 1, 2001: $1.00 = ¥114.5 / py628.6 / T8.27823 / £0.67 / €1.06 January 1, 2003: $1.00 = ¥118.8 / py631.9 / T8.28710 / £0.62 / €0.95 January 1, 2005: $1.00 = ¥102.4 / py627.7/ T8.28650 / £0.52 / €0.73 January 1, 2007: $1.00 = ¥119.1 / py626.3/ 7.81750 / £0.51 / €0.76 January 1, 2009: $1.00 = ¥90.6 / py630.0 / TT6.85330 2/ £0.67 / €0.71 PRIME LENDING RATE GDP DOW UNEMPLOYMENT 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 00 2009 MORE INFO Duis dolortiolbh et ad tiniatum Duis dolortiolbh et ad tiniatum erostin do- AMY Duis dolortiolbh et ad tiniatum erostin GOOD Jul/Aug 07 dolortin hendit nim zzrit, con erostin vel- lortin hendit nim zzrit, con erostin veliquipit, MORE INFO Duis dolortiolbh et ad tiniatum Duis dolortiolbh et ad tiniatum erostin do- dolortin hendit nim zzrit, con erostin vel- AMY Duis dolortiolbh et ad tiniatum erostin 00 Transparency iquipit, senim nos et, quat. senim nos et, quat. dolortin hendit nim zzrit, con erostin vel- lortin hendit nim zzrit, con erostin veliquipit, iquipit, senim nos et, quat. dolortin hendit nim zzrit, con erostin vel- goodmagazine.com iquipit, senim nos et, quat. senim nos et, quat. iquipit, senim nos et, quat. Transparency $b - nB - R$ - £ - kn - kr - I NB - R$ - £ - kn - kr - L- HKD - Ft - Rp - HKD - Ft - :::::: =:::::::; kn - kr-