The affordability index continues to be stacked against potential home buyers. As housing and rental prices steadily increase, wages continue to stay relatively stagnant. Historically, the average income-to-housing cost ratio in the U.S. has hovered near 30 percent, but in some metro areas, that number is currently closer to 40 and even 50 percent! This strips away the opportunity to save money as a significant portion of a person’s monthly income is going to keeping a roof over their head.
I don’t know this much, if the grid is taken down, dileberately or not, once it goes down, it will trigger according to my scientits friend, The One Second After event. It will be like what i just posted. He said that this book, One second After is the actual research done on the effects of EMP and what to expect if the grid goes down. So we need to be ready. Any one without food and water is completely screwed. If the stock market is crashing right now, and we know it’s and engineered crahs involving Russia, China, and the US cabal, then we need to get ready.
The New York Times then noted, "Automatic computerized traders on the stock market shut down as they detected the sharp rise in buying and selling".[25] As computerized high-frequency traders exited the stock market, the resulting lack of liquidity "caused shares of some prominent companies like Procter & Gamble and Accenture to trade down as low as a penny or as high as $100,000".[25] These extreme prices also resulted from "market internalizers",[44][45][46] firms that usually trade with customer orders from their own inventory instead of sending those orders to exchanges, "routing 'most, if not all,' retail orders to the public markets—a flood of unusual selling pressure that sucked up more dwindling liquidity".[26]

Last week when we were closing on our house- we were selling-, we were told there was a delay earlier in the day. All house sales and money transactions go through the federal reserve. Luckily it came back up, we sold and “pocketed” our gains in the bank. Now what to do with it!!! I am not sure it is safe in the bank, talking $260,000. We want to move to middle, southern Tn. Living in an apartment till my daughter graduates. Any ideas?
One mitigation strategy has been the introduction of trading curbs, also known as "circuit breakers", which are a trading halt in the cash market and the corresponding trading halt in the derivative markets triggered by the halt in the cash market, all of which are affected based on substantial movements in a broad market indicator. Since their inception, circuit breakers have been modified to prevent both speculative gains and dramatic losses within a small time frame.[43]
The rising dollar has already caused "an emerging market slowdown aggravated by U.S. tariffs, which already contributed to a bear market in China and Turkish lira crash. Dollar upside risk remains as the U.S. Federal Reserve intends to hike despite risks abroad, including a contentious Brazilian Presidential election, Italian budget, Brexit planning," he added.
I am not an expert on what a president should do and most can be picked apart pretty readily by experts. But it would seem that the current trajectory of the Republicans under Trump is not one of reducing our deficit. Yes they want to scale back a great deal of spending. The problem is they want to dump a lot of that savings back into a bloated military budget and on top of that are considering drastic tax cuts. No analysis thus far has been at all optimistic about any potential increase in growth outrunning the addition this will make to our debt over the long term. So if that number is a concern neither party has shown a willingness to fix it.
On May 6, the markets only broke trades that were more than 60 percent away from the reference price in a process that was not transparent to market participants. A list of 'winners' and 'losers' created by this arbitrary measure has never been made public. By establishing clear and transparent standards for breaking erroneous trades, the new rules should help provide certainty in advance as to which trades will be broken, and allow market participants to better manage their risks.[80]
Impression : From the foregoing discussion we can say that Indian stock market was already reeling under pressure due to shadow banking sector . The IL & FS crisis added bitter flavour to Indian market and sudden fall became inevitable . Sudden fall came as crisil rated 3 to 4 arms of IL & FS as junk . This created fear among investors and lot of selling took place in financial and infra stocks . History is full of such episodes of default by bank or financial institutions . What we can learn from the crisis is that for long-term investment one can avoid banking or financial sectors especially in india as both sectors are reporting lot of mess . Earlier PNB issue ..Now IL & FS .
Following the 1987 stock market crash was one of the major reforms that were introduced was by the Chicago Mercantile Exchange and the NYSE. They together introduced the revolutionary “circuit breaker” mechanism. This system was installed in these two exchanges to that no major market crashes further occurred. What this mechanism did was halt the market in case of major fall of the Dow. During this period no trade could be carried out in these two exchanges. If the Dow fell 250 points or more, the market would stop its trading for an hour. If the fall had been for more than 400 points then the market would halt for two hours.

It’s beyond Black Monday. The next stock market crash will combine the effects of Black Monday with the tech bubble of 1999-2000 and the recession that resulted from the crash of 2007-2008. The Shiller CAPE ratio, which measures a stock’s performance by comparing its price against earnings over a 10-year period, has reached the very point when Alan Greenspan pronounced his famous “irrational exuberance” speech. (Source: “The stock market’s valuation is back to the point where Greenspan warned of ‘irrational exuberance’,” CNBC, October 31, 2017.)


“Big surprise and a shock to me. Sitting on strong liquidity position. We have been extremely conservative in maintenance of liquidity. There is no default whatsoever. The repayments are not even due yet. There is ample liquidity lying with us in the system to take care of interest as well as the principle payouts over the next couple of quarters. All this what we are seeing is panic-stricken market reaction. Total liability position till 31 March is just Rs 4,800 crore; obviously there is some amount of CP that is there in the system, but it’s not a very big amount. At the same time there is close to Rs 10,000 crore of liquidity available with us in the system other than collections that we accrue on a monthly basis. Those collections are anywhere between 2500-3000 crore. Not to go on a pledge shares; no loan against shares NPA position is strong; asset quality is top notch,” Kapil Wadhawan, MD, DHFL told CNBC TV 18.
Nintendo portrayed these measures as intended to protect the public against poor-quality games, and placed a golden seal of approval on all licensed games released for the system. Further, Nintendo implemented its proprietary 10NES, a lockout chip which was designed to prevent cartridges made without the chip from being played on the NES. The 10NES lockout was not perfect, as later in the NES's lifecycle methods were found to bypass it, but it did sufficiently allow Nintendo to strengthen its publishing control to avoid the mistakes Atari had made.[51] These strict licensing measures backfired somewhat after Nintendo was accused of trust behavior.[52] In the long run, this pushed many western third-party publishers such as Electronic Arts away from Nintendo consoles, and would actively support competing consoles such as the Sega Genesis or Sony PlayStation. Most of the Nintendo platform-control measures were adopted by later console manufacturers such as Sega, Sony, Microsoft, and Intellivision Entertainment although not as stringently.
The bottom line for macro-investors is that rising rates may slow an already-sluggish economy, which, in turn may depress corporate earnings. Normally that would be a paramount concern, but with corporations swimming in record amounts of cash - with more on the way from the business-friendly GOP tax law - the market's extreme reaction may be overstated.
For example, really big daily price moves should be fairly uncommon, and during normal market periods they are. However, at a period of a crash, a lot of big moves can often be strung over just a few weeks, something called volatility clustering. This means that the models that hold up fairly well in normal markets, just aren’t relevant to a crash. Crashes are something like when a man changes into a werewolf, the normal rules for a human don’t apply. During a crash the stock market becomes a different beast.
If you had reasonably good timing and sold out of the US in 2004-2007, you’d be well ahead by now, but only around now-ish might you be looking to buy back in: ~6-8 years. The bust from Toronto’s 1989 peak came a little quicker, but you still had 5-6 years to sit out — and if you decided to get cozy in your rental and make it an even decade, you only missed the bottom by about 10%.
By the time of Trump's inauguration and into the first months of his presidency, broad market indexes climbed to new heights. Early conventional wisdom suggests that all of his signals on reducing regulation and corporate taxes would improve profits. Financial services, petroleum, private prisons, and other market sectors saw even larger gains as the administration made specific gestures to shuffle more money their way.
In France, the main French stock index is called the CAC 40. Daily price limits are implemented in cash and derivative markets. Securities traded on the markets are divided into three categories according to the number and volume of daily transactions. Price limits for each security vary by category. For instance, for the more[most?] liquid category, when the price movement of a security from the previous day's closing price exceeds 10%, the quotation is suspended for 15 minutes, and transactions are then resumed. If the price then goes up or down by more than 5%, transactions are again suspended for 15 minutes. The 5% threshold may apply once more before transactions are halted for the rest of the day. When such a suspension occurs, transactions on options based on the underlying security are also suspended. Further, when more than 35% of the capitalization of the CAC40 Index cannot be quoted, the calculation of the CAC40 Index is suspended and the index is replaced by a trend indicator. When less than 25% of the capitalization of the CAC40 Index can be quoted, quotations on the derivative markets are suspended for half an hour or one hour, and additional margin deposits are requested.[43]

This also means that it is a mistake to think of investors as a bunch of clueless, greed-driven lemmings falling off a cliff during a market crash. For example, during the real estate boom of the mid-2000s people kept buying homes despite an abundance of media articles pointing out that the property market was swept in a mania. There was no question, even then, that the market was overheated. So why did people continue to buy homes?
The share price of DHFL plunged as much as 60 percent to hit a fresh 52-week low of Rs 246.25 amid high volumes before paring losses to end down 43 percent. Yes Bank slumped as much as 34 percent before recovering to close down 29 percent. Stocks of Indiabulls Housing Finance and LIC Housing Finance were also down by over 20 percent and 15 percent, respectively, at one point. Shares of Bajaj Finance and Bajaj Finserv too took a hit.
A truly stunning result of these investigations is that the real-life frequency and size of market returns bear a notable resemblance to what is obtained by running very simple computer models. This also goes for earthquakes, solar flares, forest fires, and river floods: most of the simulations yield similar results to real life where events are frequent but small, but occasionally some gigantic one appears from nowhere.
In 2011 trades by high-frequency traders accounted for 28% of the total volume in the futures markets, which included currencies and commodities, an increase from 22% in 2009. However, the growth of computerized and high-frequency trading in commodities and currencies coincided with a series of "flash crashes" in those markets. The role of human market makers, who match buyers and sellers and provide liquidity to the market, was more and more played by computer programs. If those program traders pulled back from the market, then big "buy" or "sell" orders could have led to sudden, big swings. It would have increased the probability of surprise distortions, as in the equity markets, according to a professional investor.[citation needed] In February 2011, the sugar market took a dive of 6% in just one second. On March 1, 2011, cocoa futures prices dropped 13% in less than a minute on the Intercontinental Exchange. Cocoa plunged $450 to a low of $3,217 a metric ton before rebounding quickly. The U.S. dollar tumbled against the yen on March 16, 2011, falling 5% in minutes, one of its biggest moves ever. According to a former cocoa trader: ' "The electronic platform is too fast; it doesn't slow things down" like humans would. '[81]
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Yes Bank share price on NSE fell as much as 31.7% to Rs 218.1, their steepest percentage plunge since January 2008, after the Reserve Bank of India asked CEO and MD Rana Kapoor asked to leave. According to a Reuters report, Jefferies has said that it does not subscribe to the view that without Kapoor there is no future for this systemically large bank, or that its financials have been cooked up. Yes Bank shareholders voted in June to extend Kapoor's term for three years, pending approval from the RBI. Earlier this week, late on Wednesday, the Reserve Bank of India (RBI) allowed Rana Kapoor to continue as CEO & MD till 31 January 2019.

2015–16 stock market selloff 18 August 2015 The Dow Jones fell 588 points during a two-day period, 1,300 points from August 18–21. On Monday, August 24, world stock markets were down substantially, wiping out all gains made in 2015, with interlinked drops in commodities such as oil, which hit a six-year price low, copper, and most of Asian currencies, but the Japanese yen, losing value against the United States dollar. With this plunge, an estimated ten trillion dollars had been wiped off the books on global markets since June 3. [30] [31] [32]
The Dow Jones is flying, but the risks of a crash are many and ready to materialize. Donald Trump was elected almost a year ago, at the time of writing. The markets were supposed to have crashed. They did for a few hours. Despite the many protests, marches, and witch hunts that the 2016 presidential election has caused, the Dow has gained about 30% since November 8, 2016.

Mathematicians have studied housing bubbles, such as The University of Pennsylvania, and their HOUSING BUBBLE STRUCTURAL MODEL AND HYPOTHESES models couldn’t figure it out. The factors they studied do play a role, but housing bubbles and crashes are likely a cultural phenomenon (outside of major recessions).  It comes down to values, attitudes, dreams and panic emotions.
Falling liquidity may occur if banks stop extending credit or if a regulator increases the margin requirements for traders. Sometimes when a central bank raises interest rates, banks will begin to call in some of their loans, triggering a shortage of liquidity in the market. The simplest explanation is that at some point the money runs out. Markets rise while investors continue to buy, and when they run out of money, markets fall. The exact cause of a crash is often easy to see in hindsight, but difficult to see at the time.
In a less extreme market—for example, one where the Warren Buffett Indicator is around 100 or less—the risks are easier to identify, count, and classify. But in a situation where this indicator is approaching 140%, it’s clear that we’re long past the realm of logic. The markets are ignoring all risks while the Dow keeps climbing. Yet, there is one major risk at the macro level that could slam open the doors for a crash.
3. They also found, to the surprise of some readers I’m sure, “that some widely cited economic variables displayed an unexpected, counterintuitive correlation with future returns. The ratio of govern- ment debt to GDP is an example: Although its R2makes it seem a better performer than others, the reason is actually opposite to what one would expect—the government debt/GDP ratio has had a positive relationship with the long-term realized return. In other words, higher government debt levels have been associated with higher future stock returns, at least in the United States since 1926″.
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