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An InterAnalyst Publication


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Copyright 2015 InterAnalyst, LLC 2

When the coming economic crisisstrikes, more than half the country is

going to be financially wiped out

within weeks. At this point, more

than 60 percent of all people are

living paycheck to paycheck, and a

whopping 24 percent of the country

has more credit card debt than

emergency savings. One of the

primary principles that any of these

financial experts that you see on

television will teach you is to have a

cushion to fall back on. At the very

least, you never know when unexpected expenses like major car repairs or medical bills will come

along. And in the event of a major economic collapse, if you do not have any financial cushion at all you

will be a sitting duck. Yes, I know that there are millions upon millions of families out there that are just

trying to scrape by from month to month at this point. I hear from people that are deeply struggling in

this economy all the time. So I dont blame them for not being able to save lots of money. But if you are

in a position to build up an emergency fund, you need to do so. We have been experiencing an

extended period of relative economic stability, but it will not last. In fact, the time for getting prepared

for the next great economic downturn is rapidly running out, and most people are not ready for it at all.

The following are 14 signs that most People are flat broke and totally unprepared for the coming

economic crisis . . .

1. Look WhosLiving on the Edge

If your rainy day fund is light, you have plenty of company.

According to a newly released

reportfrom Bankrate, 24 percent of people have more credit

card debt than emergency savings, and 13 percent are not much better offthey don't have

credit card debt but they don't have emergency savings either. Put another way, more than a

third of people are living at risk of a financial crisis.

"People are woefully undersaved for emergencies," said Greg McBride, chief financial analyst

at Bankrate. "By not having emergency savings and using some of your available credit, your

options in the event of unplanned expenses are much more limited."
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Generation X is the group shortest on emergency savings, Bankrate found, largely because

they are in an expensive stage of life. Some 32 percent of respondents aged 30 to 49 had more

credit card debt than emergency savings.

"They've got the two kids, the dog, the car payments, the mortgage payments, the tuition

payments," McBride said. "They are

the poster children for stretched

budgets."

Millennials are in relatively better

shape, with just 21 percent of

respondents between 18 and 29 having

more credit card debt than emergency

savings. Perhaps that is because they

have not hit the high-spending years

and perhaps, as McBride said, "You arelooking at a generation that had a front

row seat for the financial crisis, so they have a greater tendency to save ingrained in them."

Retirees were the most prepared for emergencies, with just 14 percent saying their credit card

debt was bigger than their emergency savings.

Bankrate's figures released Monday do show some improvement from a year earlier. Only 58

percent of people have more emergency savings than credit card debt, Bankrate found, but a

year ago that figure was 51 percent. Respondents in the new survey also feel better about

their finances than the respondents a year earlier.

But people may be fooling themselves. According to the Employee Benefit Research Institute's

2014 Retirement ConfidenceSurvey,60 percent of workers have less than $25,000 in savings

and investments, and 36 percent have less than $1,000up from 28 percent in 2013.

Millennials actually have a negative 2 percentsavings rate,according to Moody's Analytics,

possibly because of high student loan debt.

"people are still woefully undersaved for emergencies and retirement, and that's not

something that's going to change overnight," McBride said.

According to a survey that was just released,24 percentof all people have more credit card

debt than emergency savings.

2. 13% Of Americans Do Not Have A Single Penny OfEmergency Savings!

3.

Approximately 62% of all Americans are living paycheck to paycheck.

Nearly two-thirds of all people are completely and totally unprepared for the next economic

crisis. As you will read about below, a new survey has found that only 38 percent of people
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have enough money on hand to cover a $500 repair bill or a $1,000 emergency room

visit. That essentially means that 62 percent of the people in this country do not have an

emergency fund. Even after the extremely bitter financial lessons that millions of people

learned during the last recession, most of us are still choosing to live on the edge. That is utter

insanity, and when the next major economic downturn strikes most people are going to find

themselves totally unprepared.

The number one thing that you need to do to get ready for the coming economic collapse is to

build up an emergency fund.

I know that is not the most sexy piece of advice in the world, but it is the truth.Just think

about it. During the last recession, millions of people suddenly lost their jobs. Because they

did not have any cushion to fall back on, millions of them also suddenly could not pay their

bills and their mortgages. Foreclosures skyrocketed and countless families went from living a

very comfortable middle class lifestyle to being out on the street in very short order.

And now because the people of this country have been so foolish it is going to happen again.

People are constantly asking what they should do to prepare for the coming economic

collapse.

I think that they expect me to say something like this . . .

Sell everything that you possibly can and buy gold and silver, go purchase a llama farm, and

dig a bunker where you can bury 10,000 cases of MREs.

Not that there is anything wrong with those kinds of preparations.

But before you do anything else, you have got to have an emergency fund. My

recommendation is to have an emergency fund that can cover at leastsix months of expenses

in case something happens.

Sadly, a solid majority of people do not have any emergency cash at all. The following comes

fromthe Wall Street Journal. . .

Only 38% of those polled said they could cover a $500 repair bill or a $1,000 emergency room

visit with funds from their bank accounts, a new Bankrate report said. Most others would need

to take on debt or cut back elsewhere.

A solid majority of people say they have a household budget, said Bankrate banking analyst

Claes Bell.

But too few have the ability to cover expenses outside their budget without goinginto debt or turning to family and friends for help.

The survey found that an unexpected bill would cause 26% to reduce spending elsewhere,

while 16% would borrow from family or friends and 12% would put the expense on a credit

card. The remainder didnt know what they would do or would make other arrangements.
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That is a very good question.

Meanwhile, the signs that we are on the verge of the next major economic crisis just continue

to grow. Yesterday, I shared10 thingsthat happened just prior to the financial crisis of 2008

that are happening again right now.

Today, we learned that a major oil driller down in Texas has just declared bankruptcy, and

many more energy companies are expected to follow suit in the coming months. The

following isfrom the Wall Street Journal. . .

[S]igns of strain are building in the oil patch, where revenue growth hasnt kept pace with

borrowing. On Sunday, a private company that drills in Texas, WBH Energy LP, and its partners,

filed for bankruptcy protection, saying a lender refused to advance more money and citing

debt of between $10 million and $50 million. Neither the Austin-based company nor its

lawyers responded to requests for comment.

Energy analysts warn defaults could be coming. The group is not positioned for thisdownturn, said Daniel Katzenberg, an analyst at Robert W. Baird & Co. There are too many

ugly balance sheets.

And we also learned today that teen retailer Wet Seal is going to be closingtwo-thirds of its

stores.

Dozens more retailers are expected to make similar announcements over the coming months.

4. Adults under the age of 35 in the United States currently have a savings

rate ofnegative 2 percent.

5.

More than halfof all students in U.S. public schools come from families

that are poor enough to qualify for school lunch subsidies.

6. A study that was conducted last year found that more than one out of

every three adults in the United States has an unpaid debt that is in

collections.

7.

One survey discovered that52 percentof all Americans really cannot

even financially afford the homes that they are living in right now.

As the housing market slowly recovers, a majority of homeowners and renters are finding it

hard to meet rising rents and mortgage payments, new research finds.

Over half of Americans (52%) have had to make at least one major sacrifice in order to cover

their rent or mortgage over the last three years, according to the How Housing Matters

Survey, which was commissioned by the nonprofit John D. and Catherine T. MacArthur
http://theeconomiccollapseblog.com/archives/10-key-events-preceded-last-financial-crisis-happening-right-nowhttp://theeconomiccollapseblog.com/archives/10-key-events-preceded-last-financial-crisis-happening-right-nowhttp://theeconomiccollapseblog.com/archives/10-key-events-preceded-last-financial-crisis-happening-right-nowhttp://www.economicpolicyjournal.com/2015/01/the-first-shale-oil-casualty-wbh-energy.htmlhttp://www.economicpolicyjournal.com/2015/01/the-first-shale-oil-casualty-wbh-energy.htmlhttp://www.economicpolicyjournal.com/2015/01/the-first-shale-oil-casualty-wbh-energy.htmlhttp://themostimportantnews.com/archives/teen-retailer-wet-seal-closing-two-thirds-storeshttp://themostimportantnews.com/archives/teen-retailer-wet-seal-closing-two-thirds-storeshttp://themostimportantnews.com/archives/teen-retailer-wet-seal-closing-two-thirds-storeshttp://themostimportantnews.com/archives/teen-retailer-wet-seal-closing-two-thirds-storeshttp://www.wsj.com/articles/savings-turn-negative-for-younger-generation-1415572405http://www.wsj.com/articles/savings-turn-negative-for-younger-generation-1415572405http://www.wsj.com/articles/savings-turn-negative-for-younger-generation-1415572405http://www.southerneducation.org/Our-Strategies/Research-and-Publications/New-Majority-Diverse-Majority-Report-Series/A-New-Majority-2015-Update-Low-Income-Students-Nowhttp://www.southerneducation.org/Our-Strategies/Research-and-Publications/New-Majority-Diverse-Majority-Report-Series/A-New-Majority-2015-Update-Low-Income-Students-Nowhttp://money.cnn.com/2014/07/29/pf/debt-collections/index.html?iid=HP_LN&hpt=hp_t2http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?iid=HP_LN&hpt=hp_t2http://www.marketwatch.com/story/over-50-of-americans-struggle-with-home-affordability-2014-06-03http://www.marketwatch.com/story/over-50-of-americans-struggle-with-home-affordability-2014-06-03http://www.marketwatch.com/story/over-50-of-americans-struggle-with-home-affordability-2014-06-03http://www.marketwatch.com/story/over-50-of-americans-struggle-with-home-affordability-2014-06-03http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?iid=HP_LN&hpt=hp_t2http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?iid=HP_LN&hpt=hp_t2http://www.southerneducation.org/Our-Strategies/Research-and-Publications/New-Majority-Diverse-Majority-Report-Series/A-New-Majority-2015-Update-Low-Income-Students-Nowhttp://www.wsj.com/articles/savings-turn-negative-for-younger-generation-1415572405http://themostimportantnews.com/archives/teen-retailer-wet-seal-closing-two-thirds-storeshttp://themostimportantnews.com/archives/teen-retailer-wet-seal-closing-two-thirds-storeshttp://www.economicpolicyjournal.com/2015/01/the-first-shale-oil-casualty-wbh-energy.htmlhttp://theeconomiccollapseblog.com/archives/10-key-events-preceded-last-financial-crisis-happening-right-nowhttp://www.interanalyst.us/


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Foundation and carried out by Hart Research Associates. These sacrifices include getting a

second job, deferring saving for retirement, cutting back on health care, running up credit card

debt, or even moving to a less safe neighborhood or one with worse schools.

Affordability issues are real and a major hurdle, says Lawrence Yun, chief economist at the

National Association of Realtors, an industry group. Home prices have increased 20% over the

past two years while wages have barely gone up, he says. Only by adding more new supply,

via housing starts, can home prices be tamed, Yun adds. In fact, construction of housing units

has averaged around 1.5 million a year for the past five decades, he says, but its likely to be

less than 1 million in 2014.

Whats more, at least 15% of American homeowners (or residents of 78 counties across the

country) were living in housing markets where the monthly mortgage payment on a median-

priced home requires more than 30% of the monthly median household income long

considered the maximum for rent/mortgage repayments. Housing costs above that threshold

are unaffordable by historic standards, says Daren Blomquist, vice president at realestatedata firm RealtyTrac. In New York county/Manhattan, mortgage payments represent 77% of

the median income and in San Francisco County represents 70%.

Although mortgage rates are still quite low, down payments, poor credit and tighter lending

standards remain three of the biggest hurdles for buying a home, especially among young

people, Blomquist says. The slow jobs recovery for young adults has made it harder for them

to save and to get a mortgage. Some 84% of young people are delaying major life decisions

due to the poor economy, according to a 2013 survey by Generation Opportunity, a nonprofit

think tank based in

Arlington, Va.

Some people also

appear to be cooling

on one facet of the

American dream.

About 43% of

respondents in the

How Housing Matters

Survey say owning a

home is no longer an

excellent long-terminvestment and one of

the best ways for

people to build wealth

and assets, and over half say buying a home has become less appealing. Although 70% of

renters aspire to own a home, some 58% believe that renters can be just as successful as

owners at achieving the American dream.
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But theyre still suffering the aftershocks of the property bust, experts say. In the years after

the recession of 2008, more than 7.5 million homeowners lost their home to foreclosure or

short sale and about 9 million more homeowners are still underwater and owe more than

their property is worth, Blomquist says. If one looks at the last seven years as a predictor of

housing market behavior in the future, it certainly should give one pause about whether

buying a home is a good investment or not, he adds.

Thats not necessarily a bad thing, says Stuart Gabriel, director of UCLAs Richard S. Ziman

Center for Real Estate. From a policy perspective, we overshot in prescribing homeownership

too often and to those who would have benefited more from other housing solutions, he

says. Homeownership rates hit 64.8% in April, the lowest since 64.7% in the second quarter of

1995, according to the Census Bureau. Its wise to approach homeownership with more

skepticism and more trepidation, he says.

8.

According to research conducted by Atif Mian of Princeton Universityand Amir Sufi of the University of Chicago Booth School of Business,40

percent of Americanscould not come up with $2000 right now without

borrowing it.

9.

A different study discovered that less than one out of every four people

has enough money stored awayto cover six months of expenses.

10.

Today, the average American household is carrying a grand total of

203,163 dollarsof debt.

11. 48 percentof all people do not have any emergency supplies in their

homes whatsoever.

Sometimes I think that I sound like a broken record. I am constantly using phrases such as get

prepared while you still can and time is running out. In fact, I use them so often that

people are starting to criticize me for it. But the truth is that only a small percentage of people

out there are actively taking steps to get ready for what is coming. Most of the country is not

prepared at all. In many ways, it is just like 2007 all over again. There were many people that

could see what was about to happen and were doing all they could to warn people, but mostdid not listen. And then the great financial crisis of 2008 struck and millions of people lost

their jobs and their homes. Unfortunately, the next great wave of the economic collapse is

going to be even more painful than the last one. It is imperative that people get prepared for

what is on the horizon, but for the most part it is just not happening.
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A lot of it has to do with the fact that we have such short memories and such short attention

spans in America today. Thanks to years of television and endless hours on the Internet, I find

myself having a really hard time focusing on anything for more than just a few moments. And

we are accustomed to living in an instant society where we dont have to wait for

anything. In such a society, we are used to news cycles that only last for 24 hours and very

few people take a long-term view of anything.

And another one of the big problems that we are facing is something called normalcy

bias. The following is howWikipediadefines it . . .

The normalcy bias, or normality bias, refers to amental statepeople enter when facing

adisaster.It causes people to underestimate both the possibility of a disaster occurring and its

possible effects. This often results in situations where people fail to adequately prepare for a

disaster, and on a larger scale, the failure of governments to include the populace in

itsdisaster preparations.The assumption that is made in the case of the normalcy bias is that

since a disaster never has occurred then it never will occur. It also results in the inability ofpeople to cope with a disaster once it occurs. People with a normalcy bias have difficulties

reacting to something they have not experienced before. People also tend to interpret

warnings in the most optimistic way possible, seizing on any ambiguities to infer a less serious

situation.

Over the past several years, the U.S. economy has been relatively stable. And that is a good

thing. But it has also lulled millions upon millions of people into a false sense of security and

complacency. At this point, most people consider 2008 to be a temporary bump in the road,

and most assume that the U.S. economy will always be strong.

Unfortunately, that is not the truth. As I have written about previously, the long-term trendsthat are destroying our economy have continued to get worse since 2008, and none of the

problems that caused the last financial crisis have been fixed.

We are steamrolling toward the edge of an economic cliff, and most people in our

entertainment-addicted society are totally oblivious to what is going on. So they are not doing

anything to get ready for the immense economic pain that is coming. The following are 16

signs that most people are completely unprepared for the coming economic collapse . . .

Could you come up with $2000 right now? According to a shocking study that was just

released,40 percent of people could not. . .

Forty percent of individuals in the U.S. said they could not or probably could not come up with

$2,000 if an unexpected need arose, according to research by Atif Mian of Princeton University

and Amir Sufi of the University of Chicago Booth School of Business.

In thatsame study,people were asked the following question . . .

Do you have 3 months emergency funds to cover expenses in case of sickness, job loss, and

economic downturn?
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An astounding 60 percent of people that responded said that they do not.

Another study found that less than one out of every four people has enough money stored

awayto cover six months of expenses.

Some people are actually trying really hard to get ahead, but admittedly that is really tough todo when we are all being taxed into oblivion. In fact, it was reported this week that people

now spend more on taxes than they spendon food, clothing and housing combined.

Right now, more people are dependent on the governmentthan ever before. In fact,

according to the U.S. Census Bureau,49 percentof all people live in a home that currently gets

direct monetary benefits from the federal government.

It is estimated thatless than 10 percentof the entire U.S. population owns any gold or silver

for investment purposes. That is a stunning number.

It has been estimated that there areapproximately 3 millionpreppers in the United

States. But that means that almost everyone else is not prepping.

What do you think is going to happen to these people once the economy collapses and there is

chaos in the streets?

How are they going to survive?

After all of these years of writing about the coming economic collapse, nothing has changed as

far as the long-term outlook is concerned.

We are still heading toward a complete and total economic meltdown.

But most people continue to have faith in the system, and the mainstream media keeps

assuring them that everything is going to be just fine.

And in this dumbed-down society of ours, most people are perfectly content to let others do

their thinking for them. In America today,only one out of every six peoplecan even find

Ukraine on a map of the world. That is how far we have fallen.

Summary

Perhaps none of this concerns you.

Perhaps you think that this global bubble economy can persist indefinitely.

Well, if you wont listen to the more than 1200 articles that set out the case for the coming economiccollapse inprior issues of InsidersPower!

Perhaps you will listen to former Federal Reserve Chairman Alan Greenspan.

The following is what herecently told one interviewer. . .

We asked him where he thought the gold price will be in five years and he said measurably higher.
http://money.cnn.com/2013/06/24/pf/emergency-savings/index.html?iid=HP_Highlighthttp://money.cnn.com/2013/06/24/pf/emergency-savings/index.html?iid=HP_Highlighthttp://money.cnn.com/2013/06/24/pf/emergency-savings/index.html?iid=HP_Highlighthttp://dailycaller.com/2014/04/07/tax-freedom-day-falls-three-days-later-this-year/http://dailycaller.com/2014/04/07/tax-freedom-day-falls-three-days-later-this-year/http://dailycaller.com/2014/04/07/tax-freedom-day-falls-three-days-later-this-year/http://thetruthwins.com/archives/21-facts-about-rising-government-dependence-in-america-that-will-blow-your-mindhttp://thetruthwins.com/archives/21-facts-about-rising-government-dependence-in-america-that-will-blow-your-mindhttp://thetruthwins.com/archives/21-facts-about-rising-government-dependence-in-america-that-will-blow-your-mindhttp://news.investors.com/Article/598993/201201260805/entitlements-soar-under-president-obama.htmhttp://news.investors.com/Article/598993/201201260805/entitlements-soar-under-president-obama.htmhttp://survivalandprosperity.com/2012/02/09/the-percentage-of-adult-americans-that-own-investment-gold-is/http://survivalandprosperity.com/2012/02/09/the-percentage-of-adult-americans-that-own-investment-gold-is/http://survivalandprosperity.com/2012/02/09/the-percentage-of-adult-americans-that-own-investment-gold-is/http://endoftheamericandream.com/archives/why-are-preppers-hated-so-muchhttp://endoftheamericandream.com/archives/why-are-preppers-hated-so-muchhttp://endoftheamericandream.com/archives/why-are-preppers-hated-so-muchhttp://www.washingtonpost.com/blogs/monkey-cage/wp/2014/04/07/the-less-americans-know-about-ukraines-location-the-more-they-want-u-s-to-intervene/http://www.washingtonpost.com/blogs/monkey-cage/wp/2014/04/07/the-less-americans-know-about-ukraines-location-the-more-they-want-u-s-to-intervene/http://www.washingtonpost.com/blogs/monkey-cage/wp/2014/04/07/the-less-americans-know-about-ukraines-location-the-more-they-want-u-s-to-intervene/https://www.scribd.com/InterAnalysthttps://www.scribd.com/InterAnalysthttps://www.scribd.com/InterAnalysthttp://www.shtfplan.com/headline-news/federal-reserve-insider-alan-greenspan-warns-there-will-be-a-significant-market-event-something-big-is-going-to-happen_02222015http://www.shtfplan.com/headline-news/federal-reserve-insider-alan-greenspan-warns-there-will-be-a-significant-market-event-something-big-is-going-to-happen_02222015http://www.shtfplan.com/headline-news/federal-reserve-insider-alan-greenspan-warns-there-will-be-a-significant-market-event-something-big-is-going-to-happen_02222015http://www.shtfplan.com/headline-news/federal-reserve-insider-alan-greenspan-warns-there-will-be-a-significant-market-event-something-big-is-going-to-happen_02222015https://www.scribd.com/InterAnalysthttp://www.washingtonpost.com/blogs/monkey-cage/wp/2014/04/07/the-less-americans-know-about-ukraines-location-the-more-they-want-u-s-to-intervene/http://endoftheamericandream.com/archives/why-are-preppers-hated-so-muchhttp://survivalandprosperity.com/2012/02/09/the-percentage-of-adult-americans-that-own-investment-gold-is/http://news.investors.com/Article/598993/201201260805/entitlements-soar-under-president-obama.htmhttp://thetruthwins.com/archives/21-facts-about-rising-government-dependence-in-america-that-will-blow-your-mindhttp://dailycaller.com/2014/04/07/tax-freedom-day-falls-three-days-later-this-year/http://money.cnn.com/2013/06/24/pf/emergency-savings/index.html?iid=HP_Highlighthttp://www.interanalyst.us/


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In private conversation I asked him about the outstanding debts . . . and that the debt load in the U.S.

had gotten so great that there has to be some monetary depreciation. Specifically, he said that the era

of quantitative easing and zero-interest rate policies by the Fed . . . we really cannot exit this without

some significant market event . . . By that I interpret it being either a stock market crash or a

prolonged recession, which would then engender another round of monetary reflation by the Fed.

He thinks something big is going to happen that we cant get out of this era of money printing without

some repercussionsand pretty severe onesthat gold will benefit from.

And as I have stressedso frequently,the signs that the next crisis is almost here are all around us.

For example, the Baltic Dry Index has just plunged to a fresh record low, and things have already gotten

so bad that some global shippers are nowfiling for bankruptcy. . .

The unintended consequences of amoney-printed, credit-fueled, mal-investment-boom in

commodities (pricesas opposed to physical demand per se)and the downstream signals that sent to

any and all industries are starting to bite. The Baltic Dry Index has plunged once again to new recordlowsand the collapse of the non-financialized clean indicator of the imbalances between global trade

demand and freight transport supply has the real-world effects are starting to be felt, asReuters reports

the third dry-bulk shipper this month has filed for bankruptcy. . . in what shippers call the worst

market conditions since the 80s.

Just because the economic collapse is not going to happen this month does not mean that it is not going

to happen. When you step back and take a broader view of what is happening, it becomes exceedingly

clear where we are heading.

We are moving into the most chaotic time for the Global economy that any of us have ever seen, and

most people are totally oblivious to what is happening and are totally unprepared.So what is our world going to look like when millions of unprepared people are blindsided by a crisis that

they never saw coming?

If you are trusting in your government to save you when things fall apart, you will be severely

disappointed.

If at all possible, you have got to have an emergency fund. When the coming economic storm strikes,

your family is going to need somethingto fall back on.

Just stay close to your InsidersPower Newsletter and the Wealth Preserver and we will help guide you

through the coming storm.
http://theeconomiccollapseblog.com/archives/two-harbingers-financial-doom-mirror-crisis-2008http://theeconomiccollapseblog.com/archives/two-harbingers-financial-doom-mirror-crisis-2008http://theeconomiccollapseblog.com/archives/two-harbingers-financial-doom-mirror-crisis-2008http://www.zerohedge.com/news/2015-02-23/record-low-baltic-dry-casualties-emerge-third-dry-bulk-shipper-files-bankruptcy-pasthttp://www.zerohedge.com/news/2015-02-23/record-low-baltic-dry-casualties-emerge-third-dry-bulk-shipper-files-bankruptcy-pasthttp://www.zerohedge.com/news/2015-02-23/record-low-baltic-dry-casualties-emerge-third-dry-bulk-shipper-files-bankruptcy-pasthttp://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://in.reuters.com/article/2015/02/23/shipping-drybulk-bankruptcy-idINL4N0VX0RF20150223http://in.reuters.com/article/2015/02/23/shipping-drybulk-bankruptcy-idINL4N0VX0RF20150223http://in.reuters.com/article/2015/02/23/shipping-drybulk-bankruptcy-idINL4N0VX0RF20150223http://in.reuters.com/article/2015/02/23/shipping-drybulk-bankruptcy-idINL4N0VX0RF20150223http://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://www.zerohedge.com/news/2015-02-12/spot-mal-investment-boomhttp://www.zerohedge.com/news/2015-02-23/record-low-baltic-dry-casualties-emerge-third-dry-bulk-shipper-files-bankruptcy-pasthttp://theeconomiccollapseblog.com/archives/two-harbingers-financial-doom-mirror-crisis-2008http://www.interanalyst.us/


12/15


In 1986, Livio S. Nespoli wrote is first Investment Book called Invest with

History. In it, he revealed how an investor could use historical precedent

along with social mood and demographic trends to accurately predict the

direction of the markets, sometimes decades in advance.

Since then, Livio had delivered countless seminars to thousands of

professional and amateur investors teaching them how to accurately

identify booms and busts well ahead of the mainstream. He gained

international national attention for his warning investors of the 2000 peak

and 2008 stock market collapse months before they happened. But this was not the first time he was on the

money with his big picture forecast.

For example, in February of 2000 Livio accurately forecast the stock market collapse and the multi-decade

economic collapse that would begin. In other words, his proprietary indicators, which are now available to all

investors, accurately predicted the major economic and stock market events that could have made you

substantially richer over the past 18 years.

How does he do it? Well, while most economists focus on short-term trends, policy changes, elections, things

that are volatile, unstable and can change from day-to-day. Livio has always focused on long-term trends and

cycles, not the day trader mentality. Demographics. Business cycles. Socionomic patterns. Things that have

demonstrated themselves over hundreds and even thousands of years to be consistent, predictable and

measurable.

In addition, through over80 years of researchhe has found that most of the largest financiers have known of

these proven and predictable Socionomic patterns. He has provided devastatingly accurate market entry and

exit points by helping you follow those historically proven cycles.

He studies the past to forecast the future, an approach that enables subscribers to position themselves with

an incredible degree of accuracy. Then he makes minor tweaks and adjustments in response to intermediate

term events that occur along the way.

And thats what he brings to you on his InterAnalyst subscriptions so youll know whats coming next, where

the immediate opportunities are, and where to park your money for the longer term.

As an InterAnalyst subscriber, you will know, for example, when its time to start profiting from the rise of

specific economies and exactly what investments will hand you the fastest profits.

Youll learn when commodities will likely reach their peak in their cycle and how to ride the gains. Youll also

learn when theyll turn down and what investments to make to profit from any moves down.

And youll learn when the property market will turn up again. Youll learn when, money markets and bonds

would be a better investment than equity allocations and when not. Youll be ahead of the markets on every

boom and bust and access the tools you can use to prepare yourself to profusion.
https://www.interanalyst.us/the-three-secret-truths.htmlhttps://www.interanalyst.us/the-three-secret-truths.htmlhttps://www.interanalyst.us/the-three-secret-truths.htmlhttps://www.interanalyst.us/the-three-secret-truths.htmlhttp://www.interanalyst.us/


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Our Point Of View

A body of research in positive psychology suggests that optimism has a number of benefits: social,

psychological and physical (Schneider, Gruman, & Coutts, 2011). Optimism has been correlated with

improved mental and physical health, better work and educational outcomes, and richer social

relationships.

While optimism appears to be a healthy orientation, things are not quite so simple. Some researchers

identify two classes of optimism: realistic and unrealistic (Weinstein, 1980). Unrealistic optimists are at

risk for self-deception, especially in domains such as risk assessment (Collingwood, n.d.). Realistic

optimists, on the other hand, more successfully incorporate data about situations and events, balancing

the best of optimistic and pessimistic perspectives. The realistic optimist point of view could be summed

up by the adage: "hope for the best, prepare for the worst".

To make matters more complex, the idea of optimism and pessimism as dispositional attributes is giving

way to a more nuanced view of these constructs (Paul, 2011). Neither perspective is inherently "good"

or "bad", both can be adopted as needed, both may be considered highly functional depending on the

situational context.
http://www.interanalyst.us/


14/15


In some situations, "defensive pessimism" can be a powerful motivator to make better choices. For

example, being pessimistic about the economy may be a motivator to avoid debt and manage your

money more effectively.

Personally, I've always considered myself something of a realist.

On a scale of half-empty to half-full, most of the time I think "oh, there's a glass with some water in it,

let's measure it".

In some contexts, I'm more optimistic (e.g., if I'm working on this newsletter and I have a sufficient

degree of control over it, I'm usually reasonably optimistic that it will succeed), in other contexts, I'm

less optimistic (e.g., if I'm out fishing on a Sunday morning, and the tides are all wrong and I'm out of

bait, I'm reasonably pessimistic about bringing home dinner).

InsidersPower

I believe socionomics, social mood, and capital flows drive economies in cycles globally. Because of theWorld Wide Web there is no time in history that allows for easier data gathering and tracking because

all countries are now highly correlated.

This InsidersPower Newsletter is a compilation of current economic articles written, not by us, but by

global authors within the last 90 days. They represent the current global social mood and creates a

global Point of View that has, by the way, been extremely accurate from ancient Greece an d Rome to

our own current society.

It represents current economic reality on a global scale whether its positive or negative. Ultimately,

through the Current Investment Guideline found at the bottom of theWealth Preserver

InsidersPower page.It delivers the opportunity of an optimistic, positive and profitable outcome for

you.

Based on the criteria already outlined, I believe InsidersPower to be an extremely REALISTIC newsletter

that carries both OPTIMISTIC and PESSIMISTIC content that delivers an OPPORTUNISTIC outcome.

Ultimately, I just hope you enjoy its content and profit handsomely.

InsidersPower has received both positive and negative comments by readers and we appreciate both so

please opine anytime to [email protected].

By the way . . . which point of viewdominates your personality? Now ask your friend or spouse to see

if they agree!
https://www.interanalyst.us/https://www.interanalyst.us/https://www.interanalyst.us/https://www.interanalyst.us/https://www.interanalyst.us/https://www.interanalyst.us/http://www.interanalyst.us/


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NEWSLETTER DISCLOSURE

This financial newsletter is a description of how financial markets behave and how we read current market

conditions. There may from time to time include commentary describing different investment theories

that may increase market accuracy. The purpose of our market-oriented publication is to outline the

progress of markets to educate interested parties in the successful application of the information within

the financial letter. While a course of conduct regarding investments can be formulated from such

application information. At no time will this financial letter make specific recommendations for any

specific person, and at no time may a reader, caller or viewer be justified in inferring that any such advice

is intended.

InterAnalyst does not scribe all articles; rather, we sift through thousands of current economic and

financial articles written by hundreds of contributors from around the globe. Like InterAnalyst, our

contributors do not care which direction the markets are going. Our contributors offer articles that help

us discern which way the markets may trend in the future.

InterAnalyst is solely responsible for the design, some articles, the current investment guideline herein,

the Wealth Preserver and Wealth Maximizer signals on the InterAnalyst.us website.

This financial newsletter is neither a solicitation nor an offer to buy or sell security of any kind. No

representation is being made that any account will or is likely to achieve profits or losses similar to the

illustrations herein. Indeed, events can materialize rapidly and thus past performance of buy and hold,

trading system, or any other methodology is not necessarily indicative of future results particularly when

you understand we are going through an economic evolution process and that includes the rise and fall

of various governments globally on an economic basis and the fact that economies continually cycle.

Past results of any individual or trading strategy published are not indicative of future returns.

Hypothetical or simulated performance results have certain limitations. Unlike an actual performance

record, simulated results do not represent actual trading. Also, since the trades have not been executed,the results may have under-or-over compensated for the impact, if any, of certain market factors, such as

lack of liquidity. No representation is being made that any account will or is likely to achieve profit or

losses similar to those shown.

The indicators, strategies, columns, articles and discussions (collectively, the information) are provided

for informational and educational purposes only and should not be construed as investment advice or a

solicitation for money to manage since money management is not conducted. Therefore, by no means is

this publication to be construed as a solicitation of any order to buy or sell any security. Accordingly, you

should not rely solely on the information in making any investment. Use the information only as a starting

point for doing additional independent research in order to allow you to form your own opinion regarding

investments. Dont trade with money you cant afford to lose and never trade anything blindly.

Always consult with your licensed financial advisor before making and investment decision. Its your

money and your responsibility.

Newsletter Repository
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