|We send warm holiday wishes to all of our readers, and wish that each of you enjoys health, happiness, and success in 2013.
Our Outlook for the First Half of 2013… To Be Revisited Near the End of June
After analyzing the current global macroeconomic environment, and after considering the economic, political, demographic, and financial trends for the next year, we have developed a list of our favorite investment areas. We make two new investment recommendations today for Gold Subscribers.
Find out what investments (Stock Markets, Commodities, and Currencies) we think are attractive for 2013.
Read our full analysis today, upgrade your subscription to a Gold Subscription. To learn more, click the link above.
Positive Sign — U.S. Consumer’s Financial Health is Gradually Improving
U.S. consumers have been deleveraging since the bubble burst in 2008, and new data from the Federal Reserve indicate that their balance sheets are showing signs of improved health. We do not believe that this means a rapid consumer-debt-led GDP acceleration is in the works; however healthier consumer finances are a fundamental positive for the U.S. economy.
Household Debt and Debt-Service
One way to measure the leverage of the American household is by tracking the ratio of household debt to income. “Household debt” includes both mortgage debt and consumer debt, i.e., debt for consumables and non-appreciating goods. The debt-to-income ratio is still in poor shape by comparison with the 1990s (before the dotcom and housing bubbles), but is tracking positively. The solvency of U.S. households is improving…
Guild Basic Needs IndexTM
To track your basic needs go to www.gbni.info
In this week’s Premium Global Market Commentary available to Gold Subscribers, we discuss:
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Guild Recommendation Tracker