Downward pressure in already weak markets.

Lenders in softening housing markets states are cutting the amount borrowers can finance and are also taking a tougher look at appraisals.

These tighter standards could add to downward pressure on home values in already weak markets.

To be alive when your time comes to play.

Technology and globalization make a great deal of brick and mortar business to pass away .

The global world demand created space for the few that kept alive and became very profitable business.

Two examples are ocean freighters ans ship builders.

Everything in economics has its cycle . The key of the game is to be alive when your time comes to play.

Logical fear

In the past places like China and Russia, where don't know what freedom is, used to spend their money on guns and butter.

Nowadays they have government controlled investment funds and envision to use these sovereign wealth funds to buy local companies in US and Europe.

They has led to fear in the US and Europe that such funds would be used to take over key domestic industries.

Logical fear.

The floodgates of fear are open

Important banks , Europeans included, and financial firms are expressing more interest than expected in putting billions of dollars , more than 60, toward a big fund to prop up parts of the mortgage security market.

What it seemed as bailout for Citigroup is becoming a necessity for a lot of institution in the financial market.

The floodgates of fear are open.

There is only a way to improve people's live

There is only a way to improve people's live: Taking risk , realizing that it is OK to fail once or twice, wanting to strike out on your own and make something happen.

Because that is very hard to do it is difficult to find those attitudes.

The SIV game is dangerous.

There are perils involved in borrowing money short term and investing it long term, but nobody thought that it could threat the stability of global financial markets.

The biggest bank in the world is the largest player in the SIV market and banks that didn't have exposure to SIVs will involve in the the biggest bail-out of history without forgetting governments.

How much houses prices will fall in the next two years?

How much houses prices will fall in the next two years?

In the same way investors with subprime holdings have difficulty figuring out what the investment worth, to know how much house prices will fall in the next two years is not easy.

It is easy to know that prices will fall because investors know that their subprime holdings are going to be worth less and less.