 Show Posts
|
|
Pages: [1] 2 3 4 5 6 »
|
Oh, yes, America will become great again. Everyone please vote for Donald Duck, let's elect him President.
I'm not writing in support of Trump. Read the post and tell me where I'm wrong. |
|
|
|
|
This might seem like a boring topic, but it is the most important thing to understand if you care about an economic recovery in the United States. FYI: I am an American.
Big business loans are interest-only, meaning no principal reduction is required. The loans are based on LIBOR (which is referred to as a "benchmark rate"). The 1-month LIBOR rate is currently .44%. A big business typically pays a low spread over the LIBOR benchmark rate. For the purposes of this example we will use a spread of 1%. So, big business' interest rate is 1.44% and its loan payments are interest-only. When a big business borrows money to make a $1 million investment it only costs them $14,400 per year.
Small business loans - which are guaranteed by the US government - are based on the Prime (benchmark) rate and are fully-amortizing, typically over 5 years. The Prime rate is currently 3.5%. Small business pays a higher spread over the benchmark rate than big business (despite the loans being guaranteed by the US government). For the purposes of this example we will use a spread of 2%. So when a small business borrows money to make an investment it pays 5.5%, fully-amortizing over 5 years. The same $1 million investment costs that small business $229,212 per year, 16 times higher than that of big business.
The debt constant (annual payment/loan amount) for a small business loan is 23%. So, in order for a small business to be able to borrow money it needs to find an opportunity that produces cash flow in excess of 23%, or else it will lose money for 5 years (and likely go bankrupt). There are very few opportunities like that in today's economy.
A big business only needs to find opportunities that produce cash flow in excess of 1.44%. Obviously, most existing investment and business opportunities qualify.
Moreover, US government-backed small business loans forbid small businesses from engaging in "financial" or "rent extracting" activities, which are the most stable and profitable businesses. There are also restrictions on small businesses engaging in international trade. Big business loans do not have any of these restrictions.
Big business is not smarter or more efficient than small business. They just have a lower cost of capital and a wider scope of available business activities. This is a result of big businesses' lobbyists influencing Congress to keep small business loans uncompetitive.
Given this dynamic, small business investment is near-impossible, and big business consolidation is inevitable. There are fewer and fewer companies cornering more and more markets. The result is the corporate oligarchy that exists in America today. There was an interesting statistic released recently. The US has fewer corporations than it had 40 years ago, despite there being three times as many citizens.
If corporations are people, do we just need more people?
The only way this is going to change is if the "people" lobby Congress to alter the terms of small business loans (which are governed by the Small Business Administration) to make them competitive with big business loans.
This inequality in the cost of capital is the cornerstone of the current corporate oligarchy. Small businesses are the backbone of America. Small businesses have created far more wealth and high-paying jobs for Americans than big business and the government combined. Today, small business is dying.
The only way to save the economic heart of the American economy is to change the lending inequality between small and big businesses. Otherwise, America will never become great again.
|
|
|
|
Below are two clips of Tyra Banks interviewing a medical expert who specializes in face-reading. The proven scientific links between facial bone structure and psychological tendencies are astounding. She even gives one example explaining that people with upturned noses are worse with money than those with downturned noses. I have noticed that many of the things she mentions are true. It is a must-watch for anyone interested in learning how to better read people. Part 1: http://youtu.be/baf98a1GPEUPart 2: http://youtu.be/KzmgxvOx7TM |
|
|
|
Not evil. Simply different. Genetically designed to cautiously and wisely protect themselves. Sometimes this protection exists in deception, or in wise hiding of some of the information about who they are or what they are doing. These people are extremely loving, just as other peoples are.  You're very gracious, but you know full well these devils are evil. Stop apologizing for them. |
|
|
|
|
Counterfeiting cash is a huge problem right now.
|
|
|
|
It might solve some problems, but I imagine removing half the worlds population would cause massive unforseen problems. Though the rest of the planets plants and creatures would probably thanks us.
Another way to do this would be for the world to have a 1 child policy for a generation.. no-one gets eaten then =)
What's the fun in that? What are we Chinese? |
|
|
|
|
Paul Volcker and oil collapsed the Ruble. When the Volcker Rule was implemented, CFTC regulations were implemented, and the Chicago Merc went digital, manipulation of commodity and currency markets essentially ended. Improved economics on solar panels didn't help. The Ruble is backed by Russia's taxable wealth (which is low) and its natural resources (oil). When the banksters were finally run out in early 2014, commodity and currency markets began to normalize.
The world is back to the way it should be. Russia is going to be poor unless they learn how to build a capitalist economy. In all honesty, I'd rather have a small flat in Moscow with a hot Russian wife than a mansion in Bel Aire with and American pig. They'll be fine. They will just isolate themselves and focus on agriculture.
|
|
|
|
|
Marco is polling better vs. Hillary than the Don, big time.
Trump vs. Clinton
FOX News: Trump +3
CNN/ORC: Clinton +2
Quinnipiac: Clinton +7
PPP: Clinton +3
Average: Clinton +2.25 points
Rubio vs. Clinton
FOX News: Rubio +9
CNN/ORC: Rubio +3
Quinnipiac: Clinton +1
PPP: Rubio +1
Average: Rubio +3.5 points
Rubio's edge over Trump: 5.75 points
|
|
|
|
I think Donald has an excellent idea, the wealthy have been riding on the backs of the middle class for too long. Need proof wait until the CEO salaries are published,then you will see how they have been riding on the backs of their employees with their outrageous salaries.
You don't think that taking $18T out of the money supply to retire 0% interest debt would have negative ramificatiins on the US and global economies? Because I do. Trump doesn't understand the difference between personal/corporate/municipal debt vs. sovereign debt. He is unfit for office, which is too bad because I like him. |
|
|
|
|
I also came up with Bitcorn. Somebody beat me to it, as the URL was taken. Do you have it? I have friends in Europe's breadbasket - including intel folks who are in IT - who are ready to roll. We have an exchange to make the commodity market (organic, otherwise the Chi Merc works fine) and are working on a legal deep web online market like Silk Road for the currency's introduction.
|
|
|
|
|
Mission accomplished until he escapes... again.
|
|
|
|
what a dreadful idea  . why would you start a thread like this. are you fascinated by things like these Take a look at the poll, sweetheart. 2/3 of bitcointalk forum members are cannibals. You're looking more and more like dinner, babe. |
|
|
|
|
So you guys are ok with this? You are all sick.
|
|
|
|
What about for intimidation, like used to be in the past? If I eat people of course I will not be popular, but people will fear me.
intimidation Its not a idea for eating human being. If anyone is hungry then there are several foods God has given us in this world. We can eat these foods. Lots of vitamins is there. But please don't try to eat any Human beings for any reasons. What about subhuman filth? Undesirables? Can we eat their disease-free children? |
|
|
|
Given the opportunity, hell yeah I would! I mean why not? you definitely wouldn't get many more opportunities to atleast try it so why the hell not?
A better question to ask is, what part of a human would you eat?
For me, it would definitely be a calf muscle...Mmmm delicious.
Think IŽd be interested in the liver, well depending on its condition I guess. As for the meat, primal cut probably applies, tenderloin for filet mignon, sirloin etc. I'd go right for the brains. Too many zombie movies? |
|
|
|
No shit Sherlock, that's why I don't eat 'em. |
|
|
|
|
None of you would eat your enemy's child in a sacrificial meal of revenge, or is that implied in the "hell yes" answers?
|
|
|
|
2/3 of you are cannibals. You disgust me!  |
|
|
|
|
What if it was the sacrificed child of your enemy? What if it gave you secret powers? What if it held the key to world domination? Would you do it? Would you eat another person?
|
|
|
|
|
