The Markets, Politics, and National Debt

Since the last quarter of 2007, the global economy continues to deal with the brutal realities in the aftermath of contagion and market instability. As of August 4, 2011, many economists realize that investor fears remain warranted as central banks attempt to right their currencies, and politicians attempt to shore-up confidence to protect their respective nations from default while structuring some form of austerity measures to please both the global financial markets and citizens.

Unfortunately, on August 3, 2011, the Japanese central bank attempted to put more currency into circulation to stabilize the Yen, but investors in the global-markets viewed this as a bad sign and responded out of fear with sell-offs that continued through the European markets, and finally made it onto the New York Stock Exchange (NYSE) on the morning of August 4, 2011. Adding to existing concerns were the economic conditions in Italy and the internal measures to develop a plan that will thwart the failure of the world’s eighth largest economy and Europe’s third largest economy.

Fostering investor confidence is the focus for many heads of state as governments are required to shrink their debt obligations such as pensions, non-essential expenditures, and services. This is where nations like the United States, Italy, and Greece finds themselves having to under-take austerity measures that have taken place in Germany and France. The problem as we witnessed with the debate in the United States about raising the debt-limit implies that a combination of both spending cuts and revenue generation are required at some point to stabilize these markets. Another consideration is the pending possibility that the United States may be required to pay even higher-interest rates as it continues to borrow even though the triple A credit-rating was lowered by Standard & Poors. This situation may be viewed as a person going into an automobile dealership to purchase a new car with good credit, but with possible lay-offs on the horizon. The fundamental fear for investors is the ability for the nations to repay the debts under terms.

Many times Americans use a domestic perspective when thinking of the markets, however a great percentage of the wealth traded through Wall Street comes from countries other than the United States. Sometimes, there is confusion about the reason why the United States is so important to many of the world’s markets. Think of it like Las Vegas, a great place to take a chance and make a lot of cash without really carrying about whether the casino makes enough money to keep the lights burning. To these investors the opportunity out-weighs the domestic problems outside the realm of their investment interest. China for instance is far more diversified than the United States and therefore it may take bigger risks in developing nations or nations that the United States cannot associate with due to political constraints. This level of diversification has far more risks, but the strategy of safety in numbers put the odds in China’s favor.

According to CNN, one of China’s premier credit-rating services Dagong Global Credit Rating Company views the United States as a not so worthy investment as in the past. It should be helpful to not e that in November of 2010 Dagong lowered the United State’s credit-rating. This may seem irrelevant when it comes to Standard & Poors or Moodys, but the fact remains that we continue to borrow considerable sums from China.

One lesson from this week of the stock market activity is that whatever happens in Asian and European markets can and will impact Wall Street. This period of transition of the markets integrating is the first step in the long process of recovering from a problem impacting the world market. An example of this is similar to creating a united front between the nations to attack the common foe of global debt.

Politicians in many grass-roots organizations throughout the world may view this in a simplistic manner and become tempted to allow their leaders to take a knee-jerk approach to the problem as did Japan on August 3, 2011, but we see how something of this nature can and will impact the economies of other nations. The political key is for national governments to avoid the temptation of allowing emotional activism to dictate the political discourse and become an agenda to get change through sending inexperienced political talent into public office due to a sluggish economy to deal with complex international issues along with domestic issues. Several pivotal points for many politicians throughout the world are job creation, debt reduction, and revenue generation.

One major factor hampering global job creation is fear even though American firms sit on trillions of dollars while only expanding the employment base for unskilled jobs. The job number of 117,000 (CNBC, August 4, 2011) for July 2011 reflect this reality. College educated individuals were not the main beneficiaries of these jobs. This fear (lack of confidence) for both consumers (people and businesses that purchase items and services) and investors (financiers, employers, goods, and service providers) are impacted by this period of uncertainty. Consumers fear going into more debt, investors fear losing for investing in non-profitable endeavors. The government’s role is to foster a state of calm and normalcy so that both investors and consumers regain the confidence in order to expand the economy. One major sticking point for investors is the process involved in passing legislation that fosters this confidence.

Read more

Voice Input Programs – An Overview

From the earliest days, it has been the dream of computer scientists and science fiction writers for computer users to be able to communicate with the machines merely by talking. Think about HAL, the computer in Kubrick’s 2001 – A Space Odyssey. That was released in 1968 when a small computer would take up more room than the ground floor of the average house – and the best way of communicating with such a computer was by holes punched in special cards or paper tape.

Being able to talk to a computer and have it respond in some way remained a dream until some years after the development of the PC. But, by the middle of the 1990′s PC’s were getting powerful enough to run software which allowed the user to talk and have their words appear on the screen. Several computer companies got on the bandwagon, including IBM with their Via Voice. Another entry in the field was Dragon Naturally Speaking, which was developed not only allow voice input, but to allow the user virtually to control the computer by voice. All these programs were for Intel-based PCs running under Microsoft Windows. Shortly after this a firm called MacSpeech developed a voice input program to run on the Apple Macintosh.

As the years passed some of these programs faded out of the scene. Voice input was a specialist, and rather niche market. It wasn’t, of course, limited to use by the disabled. It also had a strong market in fields like law and medicine where it allowed the user to dictate their notes and have them appear on a computer without having to use a specialist stenographer. Whether this was a good thing, or a bad thing, in the opinion of the secretaries and stenographers who had previously typed up the notes I leave the reader to imagine.

Read more

Smarter Ways to Take Calls While Driving

We all know the dangers of taking calls while we drive. The time it takes to fumble for the mobile, see who’s calling and make the decision to take the call can be enough time for us to have a major accident on the road. Luckily today, there are different options for drivers who want to take calls safely whilst driving their vehicle. Just like the invention of the reverse sensor, the development of Bluetooth technology has meant that drivers of any make of vehicle can drive safer. Here, we’ve got a great list of options for taking calls safely whilst driving:

Hard wired Bluetooth hands free car kits- For many people who need to be able to take calls whilst on the move, a Bluetooth hands free car kit is so important. Laws prohibiting mobile phone use whilst driving mean that not only can it be dangerous to do so but it can also get you fined. A hard wired Bluetooth hands free kit can be easily installed in virtually any style and make of vehicle. The professional outfitters are able to assist you in making installation as seamless as possible so you can be making and receiving calls with the click of one button.

Hands free car kits with cradles- These are becoming an increasingly popular option for motorists who wish to take calls while driving. These kits offer drivers a place where their phone can sit and charge (in the cradle) and be connected to Bluetooth so that if you receive a call you will be able to take it without having to take your attention off the road.

Operate your phone with the buttons on your steering wheel- This is a great option for drivers who like the idea of being able to simply feel the buttons on their steering wheel to answer calls whilst driving. You can answer calls, hang up, voice dial, redial and even adjust the volume without taking your hand from the wheel. There is no wires or cradles making it a simple, clean solution to being able to use your phone while driving.

Read more