The Music Biz and how it predicts our FInancial future…

For those who may not know the music industry that had existed for nearly a hundred years started to collapse around 1998 and is now a shadow of its former self. I know because I was a musician and am married to one as well. I was lucky I got out – My band which had put out one indie record and was then offered a deal with Sony through a smaller label who had a deal with them, didn’t go through with our deal as the other two members didn’t feel comfortable with the changing negotiations. In fairness to them I knew it was because the industry was changing and felt it was a more than fair deal for our bizarre off beat band but there were many issues which led me to believe it was a blessing in disguise – one of them was my overwhelming feeling of darkness – that the whole industry was about to fall off the cliff and with a married couple with both in that business we would be devastated and never able to have a family or a normal life. So although I had worked hard and was very torn up about my decision I turned down an enormous amount of money and walked away from an awaiting catastrophe.

As bad as the music business was and I could tell you some horrible stories, at least musicians and songwriters were able to live middle-class lives. For the most part this is no longer true unless one had the good fortune to make a lot of money before the collapse and invested it well. Or if you are one of a handful of artists who have fans who will actually buy your work.

I am re-printing a piece from David Lowery – founder of the seminal band “Cracker.” He now teaches music business economics at a University in Georgia. He illustrates the collapse well and why the devaluation of intellectual property is very bad. I will add here that this will ultimately DEVASTATE the U.S. ECONOMY. The same feeling I had before the end of the music industry and the darkness I felt connected to the fall that was coming in the STOCK MARKET is back and stronger than ever. The second part of that fall is about to happen and the reason is we have been dogging bullets and avoiding reality but truth be told the ONLY THING WE EXPORT IS INTELLECTUAL PROPERTY. The only real way for a person to pull themselves up from the middle class to the upper-middle class or toward wealth is through INTELLECTUAL PROPERTY. We have now decimated this highway and given it over to corporations. We no longer MAKE things here. The 90s model of us being the intellectual leaders of the world – exporting our inventions, culture and innovation is now a road that has been blown up by CORPORATE interests whose GREEDY 1% will not stop until they have ALL the WEALTH and we are ALL STARVING to DEATH and WILLING TO DO ANYTHING for ANY AMOUNT of money just to SURVIVE. Yes this is the future we have been picking through our own personal greed and devaluing, dividing and conquering the world through money and power.

I haven’t wanted to bum people out and have been avoiding talking about this. We have been choosing the dark path for 40 years and while there is always a way to correct and change the future our fate is being sealed with each greedy, manipulative and negative, mean-spirited thing each of us do in our daily life.

We NEED A SPIRITUAL REVOLUTION. RESPECT, LOVE, COMPASSION, HONESTY and KINDNESS on all counts – there is no such thing as “IT’S JUST BUSINESS.” The earth has limited resources and while we’ve been being sold theoretical business models that pretend there are infinite resources on earth we all know THIS IS BS. And when the ball drops it will be more painful than we can ever imagine.

Truthfully I’m terrified. I hope we can come together collectively and those who are here to move humanity toward the light will step up and do their job and stand up now before IT’s too late.

Here’s the re-print of what Professor Lowery had to say:

A great piece by David Lowry about music piracy that has gone viral!

http://thetrichordist.wordpress.com/2012/06/18/letter-to-emily-white-at-npr-all-songs-considered/

Letter to Emily White at NPR All Songs Considered.

Recently Emily White, an intern at NPR All Songs Considered and GM of what appears to be her college radio station, wrote a post on the NPR blog in which she acknowledged that while she had 11,000 songs in her music library, she’s only paid for 15 CDs in her life. Our intention is not to embarrass or shame her. We believe young people like Emily White who are fully engaged in the music scene are the artist’s biggest allies. We also believe–for reasons we’ll get into–that she has been been badly misinformed by the Free Culture movement. We only ask the opportunity to present a countervailing viewpoint.

Emily:

My intention here is not to shame you or embarrass you. I believe you are already on the side of musicians and artists and you are just grappling with how to do the right thing. I applaud your courage in admitting you do not pay for music, and that you do not want to but you are grappling with the moral implications. I just think that you have been presented with some false choices by what sounds a lot like what we hear from the “Free Culture” adherents.

I must disagree with the underlying premise of what you have written. Fairly compensating musicians is not a problem that is up to governments and large corporations to solve. It is not up to them to make it “convenient” so you don’t behave unethically. (Besides–is it really that inconvenient to download a song from iTunes into your iPhone? Is it that hard to type in your password? I think millions would disagree.)

Rather, fairness for musicians is a problem that requires each of us to individually look at our own actions, values and choices and try to anticipate the consequences of our choices. I would suggest to you that, like so many other policies in our society, it is up to us individually to put pressure on our governments and private corporations to act ethically and fairly when it comes to artists rights. Not the other way around. We cannot wait for these entities to act in the myriad little transactions that make up an ethical life. I’d suggest to you that, as a 21-year old adult who wants to work in the music business, it is especially important for you to come to grips with these very personal ethical issues.

I’ve been teaching college students about the economics of the music business at the University of Georgia for the last two years. Unfortunately for artists, most of them share your attitude about purchasing music. There is a disconnect between their personal behavior and a greater social injustice that is occurring. You seem to have internalized that ripping 11,000 tracks in your iPod compared to your purchase of 15 CDs in your lifetime feels pretty disproportionate. You also seem to recognize that you are not just ripping off the record labels but you are directly ripping off the artist and songwriters whose music you “don’t buy”. It doesn’t really matter that you didn’t take these tracks from a file-sharing site. That may seem like a neat dodge, but I’d suggest to you that from the artist’s point of view, it’s kind of irrelevant.

Now, my students typically justify their own disproportionate choices in one of two ways. I’m not trying to set up a “strawman”, but I do have a lot of  anecdotal experience with this.

“It’s OK not to pay for music because record companies rip off artists and do not pay artists anything.” In the vast majority of cases, this is not true. There have been some highly publicized abuses by record labels. But most record contracts specify royalties and advances to artists. Advances are important to understand–a prepayment of unearned royalties. Not a debt, more like a bet. The artist only has to “repay” (or “recoup”) the advance from record sales. If there are no or insufficient record sales, the advance is written off by the record company. So it’s false to say that record companies don’t pay artists. Most of the time they not only pay artists, but they make bets on artists.  And it should go without saying that the bets will get smaller and fewer the more unrecouped advances are paid by labels.

Secondly, by law the record label must pay songwriters (who may also be artists) something called a “mechanical royalty” for sales of CDs or downloads of the song. This is paid regardless of whether a record is recouped or not. The rate is predetermined, and the license is compulsory. Meaning that the file sharing sites could get the same license if they wanted to, at least for the songs. They don’t. They don’t wanna pay artists.

Also, you must consider the fact that the vast majority of artists are releasing albums independently and there is not a “real” record company. Usually just an imprint owned by the artist. In the vast majority of cases you are taking money directly from the artist. How does one know which labels are artist owned? It’s not always clear. But even in the case of corporate record labels, shouldn’t they be rewarded for the bets they make that provides you with recordings you enjoy? It’s not like the money goes into a giant bonfire in the middle of the woods while satanic priests conduct black masses and animal sacrifices. Usually some of that money flows back to artists, engineers and people like you who graduate from college and get jobs in the industry. And record labels also give your college radio stations all those CDs you play.

Artists can make money on the road (or its variant “Artists are rich”). The average income of a musician that files taxes is something like 35k a year w/o benefits. The vast majority of artists do not make significant money on the road. Until recently, most touring activity was a money losing operation. The idea was the artists would make up the loss through recorded music sales. This has been reversed by the financial logic of file-sharing and streaming. You now tour to support making albums if you are very, very lucky. Otherwise, you pay for making albums out of your own pocket. Only the very top tier of musicians make ANY money on the road. And only the 1% of the 1% makes significant money on the road. (For now.)

Over the last 12 years I’ve watched revenue flowing to artists collapse.

Recorded music revenue is down 64% since 1999.

Per capita spending on music is 47% lower than it was in 1973!!

The number of professional musicians has fallen 25% since 2000.

Of the 75,000 albums released in 2010 only 2,000 sold more than 5,000 copies. Only 1,000 sold more than 10,000 copies. Without going into details, 10,000 albums is about the point where independent artists begin to go into the black on professional album production, marketing and promotion.

On a personal level, I have witnessed the impoverishment of many critically acclaimed but marginally commercial artists. In particular, two dear friends: Mark Linkous (Sparklehorse) and Vic Chesnutt. Both of these artists, despite growing global popularity, saw their total  incomes fall in the last decade. There is no other explanation except for the fact that “fans” made the unethical choice to take their music without compensating these artists.

Shortly before Christmas 2009, Vic took his life. He was my neighbor, and I was there as they put him in the ambulance. On March 6th, 2010, Mark Linkous shot himself in the heart. Anybody who knew either of these musicians will tell you that the pair suffered depression. They will also tell you their situation was worsened by their financial situation. Vic was deeply in debt to hospitals and, at the time, was publicly complaining about losing his home. Mark was living in abject squalor in his remote studio in the Smokey Mountains without adequate access to the mental health care he so desperately needed.

I present these two stories to you not because I’m pointing fingers or want to shame you. I just want to illustrate that “small” personal decisions have very real consequences, particularly when millions of people make the decision not to compensate artists they supposedly “love”. And it is up to us individually to examine the consequences of our actions. It is not up to governments or corporations to make us choose to behave ethically. We have to do that ourselves.

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Now, having said all that, I also deeply empathize with your generation. You have grown up in a time when technological and commercial interests are attempting to change our principles and morality. Rather than using our morality and principles to guide us through technological change, there are those asking us to change our morality and principles to fit the technological change–if a machine can do something, it ought to be done. Although it is the premise of every “machines gone wild” story since Jules Verne or Fritz Lang, this is exactly backwards. Sadly, I see the effects of this thinking with many of my students.

These technological and commercial interests have largely exerted this pressure through the Free Culture movement, which is funded by a handful of large tech corporations and their foundations in the US, Canada, Europe and other countries.* Your letter clearly shows that you sense that something is deeply wrong, but you don’t put your finger on it. I want to commend you for doing this. I also want to enlist you in the fight to correct this outrage. Let me try to to show you exactly what is wrong. What it is you can’t put your finger on.

The fundamental shift in principals and morality is about who gets to control and exploit the work of an artist. The accepted norm for hudreds of years of western civilization is the artist exclusively has the right to exploit and control his/her work for a period of time. (Since the works that are are almost invariably the subject of these discussions are popular culture of one type or another, the duration of the copyright term is pretty much irrelevant for an ethical discussion.) By allowing the artist to treat his/her work as actual property, the artist can decide how to monetize his or her work. This system has worked very well for fans and artists. Now we are being asked to undo this not because we think this is a bad or unfair way to compensate artists but simply because it is technologically possible for corporations or individuals to exploit artists work without their permission on a massive scale and globally. We are being asked to continue to let these companies violate the law without being punished or prosecuted. We are being asked to change our morality and principals to match what I think are immoral and unethical business models.

Who are these companies? They are sites like The Pirate Bay, or Kim Dotcom and Megaupload. They are “legitimate” companies like Google that serve ads to these sites through AdChoices and Doubleclick. They are companies like Grooveshark that operate streaming siteswithout permission from artists and over the objections of the artist, much less payment of royalties lawfully set by the artist. They are the venture capitalists that raise money for these sites. They are the hardware makers that sell racks of servers to these companies. And so on and  so on.

What the corporate backed Free Culture movement is asking us to do is analogous to changing our morality and principles to allow the equivalent of looting. Say there is a neighborhood in your local big city. Let’s call it The ‘Net. In this neighborhood there are record stores. Because of some antiquated laws, The ‘Net was never assigned a police force. So in this neighborhood people simply loot all the products from the shelves of the record store. People know it’s wrong, but they do it because they know they will rarely be punished for doing so. What the commercial Free Culture movement (see the “hybrid economy”) is saying is that instead of putting a police force in this neighborhood we should simply change our values and morality to accept this behavior. We should change our morality and ethics to accept looting because it is simply possible to get away with it.  And nothing says freedom like getting away with it, right?

But it’s worse than that. It turns out that Verizon, AT&T, Charter etc etc are charging a toll to get into this neighborhood to get the free stuff. Further, companies like Google are selling maps (search results) that tell you where the stuff is that you want to loot. Companies like Megavideo are charging for a high speed looting service (premium accounts for faster downloads). Google is also selling ads in this neighborhood and sharing the revenue with everyone except the people who make the stuff being looted. Further, in order to loot you need to have a $1,000 dollar laptop, a $500 dollar iPhone or $400 Samsumg tablet. It turns out the supposedly “free” stuff really isn’t free. In fact it’s an expensive way to get “free” music. (Like most claimed “disruptive innovations”it turns out expensive subsidies exist elsewhere.) Companies are actually making money from this looting activity. These companies only make money if you change your principles and morality! And none of that money goes to the artists!

And believe it or not this is where the problem with Spotify starts. The internet is full of stories from artists detailing just how little they receive from Spotify. I shan’t repeat them here. They are epic. Spotify does not exist in a vacuum. The reason they can get away with paying so little to artists is because the alternative is The ‘Net where people have already purchased all the gear they need to loot those songs for free. Now while something like Spotify may be a solution for how to compensate artists fairly in the future, it is not a fair system now. As long as the consumer makes the unethical choice to support the looters, Spotify will not have to compensate artists fairly. There is simply no market pressure. Yet Spotify’s CEO is the 10th richest man in the UK music industry ahead of all but one artist on his service.

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So let’s go back and look at what it would have cost you to ethically and legally support the artists.

And I’m gonna give you a break. I’m not gonna even factor in the record company share. Let’s just pretend for your sake the record company isnt simply the artists imprint and  all record labels are evil and don’t deserve any money. Let’s just make the calculation based on exactly what the artist should make. First, the mechanical royalty to the songwriters. This is generally the artist. The royalty that is supposed to be paid by law is 9.1 cents a song for every download or copy. So that is $1,001 for all 11,000 of your songs. Now let’s suppose the artist has an average 15% royalty rate. This is calculated at wholesale value. Trust me, but this comes to 10.35 cents a song or $1,138.50. So to ethically and morally “get right” with the artists you would need to pay $2,139.50.

As a college student I’m sure this seems like a staggering sum of money. And in a way, it is. At least until you consider that you probably accumulated all these songs over a period of 10 years (5th grade). Sot that’s $17.82 dollars a month. Considering you are in your prime music buying years, you admit your life is “music centric” and you are a DJ, that $18 dollars a month sounds like a bargain. Certainly much much less than what I spent each month on music  during the 4 years I was a college radio DJ.

Let’s look at other things you (or your parents) might pay for each month and compare.

Smart phone with data plan: $40-100 a month.

High speed internet access: $30-60 dollars a month. Wait, but you use the university network? Well, buried in your student fees or tuition you are being charged a fee on the upper end of that scale.

Tuition at American University, Washington DC (excluding fees, room and board and books): $2,086 a month.

Car insurance or Metro card?  $100 a month?

Or simply look at the  value of the web appliances you use to enjoy music:

$2,139.50 = 1 smart phone + 1 full size ipod + 1 macbook.

Why do you pay real money for this other stuff but not music?

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The existential questions that your generation gets to answer are these:

Why do we value the network and hardware that delivers music but not the music itself?

Why are we willing to pay for computers, iPods, smartphones, data plans, and high speed internet access but not the music itself?

Why do we gladly give our money to some of the largest richest corporations in the world but not the companies and individuals who create and sell music?

This is a bit of hyperbole to emphasize the point. But it’s as if:

Networks: Giant mega corporations. Cool! have some money!

Hardware: Giant mega corporations. Cool! have some money!

Artists: 99.9 % lower middle class. Screw you, you greedy bastards!

Congratulations, your generation is the first generation in history to rebel by unsticking it to the man and instead sticking it to the weirdo freak musicians!

I am genuinely stunned by this. Since you appear to love first generation Indie Rock, and as a founding member of a first generation Indie Rock band I am now legally obligated to issue this order: kids, lawn, vacate.

You are doing it wrong.

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Emily, I know you are not exactly saying what I’ve illustrated above. You’ve unfortunately stumbled into the middle of a giant philosophical fight between artists and powerful commercial interests. To your benefit, it is clear you are trying to answer those existential questions posed to your generation. And in your heart, you grasp the contradiction. But I have to take issue with the following statement:

As I’ve grown up, I’ve come to realize the gravity of what file-sharing means to the musicians I love. I can’t support them with concert tickets and t-shirts alone. But I honestly don’t think my peers and I will ever pay for albums. I do think we will pay for convenience.

I’m sorry, but what is inconvenient about iTunes and, say, iTunes match (that let’s you stream all your music to all your devices) aside from having to pay? Same with Pandora premium, MOG and a host of other legitimate services. I can’t imagine that any other legal music service that is gonna be simpler than these to use. Isn’t convenience already here!

Ultimately there are three “inconvenient” things that MUST happen for any legal service:

1.create an account and provide a payment method (once)

2.enter your password.

3. Pay for music.

So what you are really saying is that you won’t do these three things. This is too inconvenient.  And I would guess that the most inconvenient part is….step 3.

That’s fine. But then you must live with the moral and ethical choice that you are making to not pay artists. And artists won’t be paid. And it won’t be the fault of some far away evil corporation. You “and your peers” ultimately bear this responsibility.

You may also find that this ultimately hinders your hopes of finding a job in the music industry.  Unless you’re planning on working for free.  Or unless you think Google is in the music industry–which it is not.

I also find this all this sort of sad.  Many in your generation are willing to pay a little extra to buy “fair trade” coffee that insures the workers that harvested the coffee were paid fairly.  Many in your generation will pay a little more to buy clothing and shoes from manufacturers that  certify they don’t use  sweatshops.  Many in your generation pressured Apple to examine working conditions at Foxconn in China.  Your generation is largely responsible for the recent cultural changes that has given more equality to same sex couples.  On nearly every count your generation is much more ethical and fair than my generation.   Except for one thing.  Artist rights.

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At the start of this I did say that I hoped to convert you to actively helping musicians and artists. That ultimately someone like you, someone so passionately involved in music is the best ally that musicians could have. Let me humbly suggest a few things:

First, you could legally buy music from artists. The best way to insure the money goes to artists? Buy it directly from their website or at their live shows. But if you can’t do that, there is a wide range of services and sites that will allow you to do this conveniently. Encourage your “peers” to also do this.

Second, actively “call out” those that profit by exploiting artists without compensation. File sharing sites are supported by corporate web advertising. Call corporations out by giving specific examples. For instance, say your favorite artist is Yo La Tengo. If you search at Google “free mp3 download Yo La Tengo” you will come up with various sites that offer illegal downloads of Yo La Tengo songs. I clicked on a link to the site www.beemp3.com where I found You La Tengo’s entire masterpiece album I Am Not Afraid Of You And I Will Beat Your Ass.

I also found an ad for Geico Insurance which appeared to have been serviced to the site by “Ads by Google”. You won’t get any response by writing a file sharing site. They already know what they are doing is wrong. However Geico might be interested in this. And technically, Google’s policy is to not support piracy sites, however it seems to be rarely enforced. The best way to write any large corporation is to search for the “investor’s relations” page. For some reason there is always a human being on the other end of that contact form. You could also write your Congressman and Senator and suggest they come up with some way to divert the flow of advertising money back to the artists.

And on that matter of the $2,139.50 you owe to artists? Why not donate something to a charity that helps artists. Consider this your penance. In fact I’ll make a deal with you. For every dollar you personally donate I’ll match it up to the $500. Here are some suggestions.

Nuci’s Space.   This is Athens Georgia’s home grown musician health and mental health charity.  This would be a nice place to donate money if you were a fan of Vic Chesnutt.

http://www.nuci.org/

Music Cares. You can also donate to this charity run by the NARAS (the Grammys).http://www.grammy.org/musicares/donate

Health Alliance for Austin Musicians.  Friends speak highly of this organization.

American Heart Association Memorial Donation. Or since you loved Big Star and Alex Chilton, why not make a donation to The American Heart Association in Alex Chilton’s name? (Alex died of a heart attack)https://donate.americanheart.org/ecommerce/donation/acknowledgement_info.jsp?campaignId=&site=Heart&itemId=prod20007

I’m open to suggestions on this.

I sincerely wish you luck in your career in the music business and hope this has been enlightening in some small way.

David Lowery

The Music Biz and how it predicts our FInancial future…

New Predictions

A couple of times I had tried to write posts, but things have been upside down and crazy the past few weeks.  In the last post I tried to complete I had technical difficulty and still it seems everything conspires to keep the revelations and visions secret. But I have decided that warnings must be issued, as my hope is that enough people will take heed and change the course of what is to come.

As I said a while back financial markets would spiral down in a roller coaster-like manner. But my warning right now is really about something much more disturbing and related to the other warning that we are living in the age of revolutions.

To those in power I beg you not to proceed violently against the non-violent protestors. There is a stew brewing, one in which the consequences will be deadly and lead to another revolution here on American soil. I can tell you as well that the people will be victorious and those in the 1% take heed to start doing the right thing and correct the wrongs and injustices or take a lesson from the French Revolution.

I don’t want to get into too much detail except to say that I have never really (logically) believed people here in the US would be desperate and hopeless enough to put their life on the lines as their forefathers had, but now I know this to be untrue.  And as the middle-class and all the progress that was made to equalize our society has gone backward we will see a new caste of warriors – some cracked by the wars overseas meant to protect the interest of the 1% – and some perfectly well only to come home to a nation without hope, jobs, freedom or really any of the things our warriors felt they were going to protect.

There is always hope that things can turn around but there are three things required for this to be so: 1) The political system must change to reflect the will and needs of the people. 2) The financial market must be radically renovated and regulated – no more theoretical math to squeeze money out of thin air. 3) Total and complete freedom for regular people to protest, and participate in the political system without any negative recourse or violence perpetrated against them.

At this point I see no way for any of the current line-up of Republicans to win the next election. Obama will be forced to take a more hard line approach to the violence happening toward protestors and the financial free fall will force him to take a stand against the wealthy 1%. The only chance of Obama not being re-elected comes from the possibility of a third party emerging out of the 99% movement (which will eventually happen but further in the future) and it is only this possibility that stands a shadow of a chance and this chance is microscopic at this point if possible at all. It would take something short of a miracle for this to occur.

The other set of disturbing revelations are about the earth itself. I was shown 7 places all over the globe that would have extreme geological activity starting with the second tip of Spain, the Lapland boarder region, an area that is between China/Russia and Mongolia, The boarder between the Dakotas, the northern most tip of Australia, the Poles (north and south). I wrote down what I was shown and in order but the paper mysteriously disappeared the next day never to be found. I was told the area near the second tip of Spain (near the Mediterranean sea, just a skip across to Morocco) would be a major earthquake, the area up in the Lapland/Scandinavian area would be a volcano (I thought but wasn’t sure), the area in China/Russia/Mongolia would be severe flooding, the Dakotas I think again are earthquake.

I was told that the increase in earthquakes will only keep increasing as the polar ice caps will break off and for a little while large pieces of the polar ice caps (glaciers) would make their way around the world and be seen in the ocean in strange unexpected places. Most importantly that the earth was sick and that what She was experiencing was akin to seizures, small ones that would lead up to a major world shaking like a horrible grand mal seizure felt around the world. The period of time given for this was starting in 2012 and would happen over a period from then for 5-7 years. After which a cycle of renewal would begin. Unfortunately, there would be horrible damage done and a lot of people exiting this world. However it isn’t the end of the world, just a change, simultaneously our political system will change dramatically and power will once again reside in the people. The meek will indeed inherit the earth again. Those who align themselves with the needy, weak and helpless will be pivotal and saved – this will not be like the 1960s. This will ultimately lead to a violent uprising if things continue as they are.

This is something I’ve known since I was 12 and spent 7 months alone, on my back in my sick bed (literally true). I had visions of this period. I had hoped this period would never happen. I had several dreams along the way and signs that we were traveling on this dark road but believed we would correct it. I have been given confirmation by a terrible dream recently that there is now very little chance of changing this future which in hindsight seemed inevitable.

I have struggled with informing people about this as I have seen all the signs and been given confirmation through various spiritual sources that this would be. I wasn’t sure if telling people would help or hurt. But I have no other alternative now except to hope those in power will heed this warning to restrain the police and take control of the violence against the innocent or this will go from a movement into a civil war and no one wants to see or live through the horrors of war on our soil.

Many blessings,
Denise

PS. I’m sorry I will go through individual requests soon. What has come upon me in the past couple of months has been large and oppressive and the tip of this iceberg has already turned so many people’s lives upside down – I have been trying to help put out fires among those in my sphere. A lot of people are depressed now which is why I was afraid to post this information but again the positive thing to take from all of this is the people will ultimately win as they have in the past. And the changes in the earth will eventually calm.

For those who are depressed try to realize you are here, now for a reason. You are meant to do your part to move the earth and people to a new consciousness and what was once a simple prescribed path will be replaced by one full of novelty and change in which your decisions will have impact on the whole of history if you so choose.

New Predictions

World Economic Collapse…

If nothing proves else proves that we live in 2 Americas the wealthiest one percent and everyone else then this should: How is it possible that we have double digit unemployment – the worst since the Great Depression, inflation, people continue to lose their homes, businesses, jobs and the majority of the middle class has slipped down from upper to middle, or middle to lower, yet Wall Street remains in a bubble of its own?

How is this possible?

The wealthiest one percent aren’t directly effected by the down turn. But they eventually will be. The market, which is in some sort of fantasy driven bubble, will eventually get hit when no one can buy things anymore. I don’t know about you guys, but I end up at Target a lot because I have a toddler. I’ve noticed everything I normally buy for her is at least a dollar more per item. That’s some serious inflation! And only about ten percent of the people are shopping there compared to just a year or two ago. I’m not an economist, but that doesn’t bode well for the economy.

Slobbadon wrote a post which I skimmed over, but according to an astrologer he’s been following the crash is due next winter. Frankly, I keep feeling the labor pains and then they disappear. I feel the Oh, No, energy and then it recedes and the economy seems to stay afloat through the sheer will of investors and a lot of lying which I’m sure will come out later.

But whenever the next crash comes, and it will come, we are still in trouble. There’s talk of unemployment being high for a very long time. Reason being is most jobs have been shipped overseas. What I don’t understand is why our government doesn’t make it financially impractical for this to happen. Whatever happened to regulating this with tariffs and import/export duties? If if cost company A more money to manufacture their flashlights in China due to taxation and an international wage law that required Company A to pay a universal minimum wage (based on Europe or the US standards) and on top of that they had to pay shipping and exporting and importing taxes, chances are pretty good they’d just take those jobs back to the US.

There have to be solutions. It’s not right that our corporations exploit people in other countries (in old timey Dickensian fashion) and it’s not right that laws don’t seem to apply to companies. People died here in the 30s trying to get rights for unions and fair wages only to have it be pissed away and thrown out with the bath water during the Reagan years. Thanks Reagan for setting us on the course of economic ruination of the middle-class, you know the trickle down economics where the lack of cash trickles down to the point of starvation and we become akin to a developing nation.

Sometimes I wonder if we can change our trajectory, the one I envisioned in the novel Americhrist (published on this site). It feels all too real, all too inevitable which is why Obama really needs to push back. He’s a wonderful man, but so was Carter, and if he’s not careful his presidency could go the way Carter’s did. It seems there is enough of a majority of mentally challenged people in our country who not only can’t relate to an erudite, intelligent, thoughtful, peaceful, diplomat, but who actually hate people like that. It seems there are Americans who just love the sound of a big fat bully bellowing. Sad.

Get involved.

Bug your congresspeople and Obama to put the public option back on the table and pass it!

Best wishes all you kind, intelligent and gracious people,

Denise

And seriously read the book Americhrist it will make the hair on your neck stand up. I wrote it in 2000, the first draft was finished shortly after Bush took office the first time around.

World Economic Collapse…

OK…

OK, I really want to do a detailed analysis of the markets. Perhaps the key lies in doing progressed charts for the Dow because although there are some very clear transit triggers, it should be Pluto who is the culprit. And if he is then the problems should (by transit) be triggered at the 0 and 4 degree marks and it seems a bit off. So I’ll figure that one out over the week.

As I said in a post last year about buying GM. I didn’t see the point as this company would go under within the next 2 years. I know they are restructuring in hopes of getting back on their wheels but they really need to do it big time or they won’t survive. If they do make serious and major sweeping changes down to their core ideology they could become a phoenix (hopefully better than the crappy Ford version put out in the 1980s, those cars were serious lemons.)

Again, the bookend crash I feel it coming. I hadn’t in a while. I still feel its a little ways off. But I’m starting to feel the grief. So if you don’t have money in the market, just wait awhile and certainly don’t get antsy and believe the hype trying to get you to put your money back in so it can be taken from you. Seriously, this beast is still on stilts eating its own intestines. Stay out of its way until it has major surgery.

And another incident of domestic terrorism with the murder of the doctor in his church on Sunday. Only sadly that one wasn’t stopped. I also feel we are in more danger from ourselves right now than from foreign terrorists. 

Sit tight and try to be frugal. Let’s bring back the barter system! 

May our world be bathed in pure white healing light. We are very stinky right now.

Many blessings and much love to all you kind hearted people,

Denise

OK…

Answering Readers & The Great Stock Market Crashes……

From Grace:

grace43

This is a totally unrelated topic, but since you’re also a mom, I thought it might interest you, too. My family is just getting over a bad case of rotavirus. As you know, there is no vaccination or treatment for rotavirus (except for those under one year) or norovirus. These are what we commonly call stomach flus.

The only treatment for these ailments is rest and fluids. As I have sadly learned, other than IVs for rehydration and anti-nausea drugs, the medical community does very little for the sick with these illnesses, because they are considered a part of life and self limiting. Most drug companies refuse to invest in developing a cure or a vaccine, because the stomach flu is not considered fatal.

However, according to the CDC, it was the leading cause of death among the elderly in England and Wales from 2001-2006. Another source I can’t find right now, stated around 600,000 children die worldwide from stomach flu every year.

So much for it not causing death!

Only one drug company is attempting a vaccine -LigoCyte . This vaccine is currently in human trials.

My question is will we see a vaccine anytime soon for these dreadful diseases? Even if they usually do not kill, they are incredibly unpleasant and cause thousands of ER trips and hospitializations every year.

BTW, the rotavirus going around this year is especially bad. Alchol based hand santizers will not kill it. Only clorine or soap kill it. It is really awful. Use clorine based hand sanitizer. You do not want this. Trust me.

 

Hi Grace,

Stomach flu is horrible and is extremely dangerous to the elderly and young children. I’m sure dehydration plays a huge factor in why some people survive this and others do not. I do get the feeling that there will be a vaccine for rotavirus in the next 5-7 years. Whether it is commercially available at that time I’m not sure. The time frame maybe when the vaccine goes into the trial phase of testing. So I guess that company you mentioned might be a good place to invest if anyone is looking to get back into the financial markets. Which personally, I would wait until after next year to do, but that being said this is a common virus and if they can make a vaccine to protect people from it then I’m sure it will be very popular.

 

Now onto other things….

 

I hadn’t much thought about the economy, the housing bubble or thought about the stock market in awhile. So when I took a look at it based on a little premonition I had while talking to a client. First of all I’ve been predicting this crash as a bookend event for awhile with another major crash to come. But although there have been some big downward falls, the really big other side of this has not hit. Here’s an interesting blog that has info on all the major crash dates of the market. I’m going to put the ephemeris pages up and see if we can find some patterns here. Here’s the url where I am getting my crash dates from:

http://leatherheadblog.com/2008/09/30/top-10-market-crashes/

picture-4

Picture 30

 

Picture 31

Picture 27

Picture 28

Picture 29OOk, here I’ve re-published the Dow Jones chart and the ephemeris for the start and end date of the market free fall that started the Great Depression. Also the first of this wave of hits in September 2008 and then again in Feb/March of 09 which I predicted (as did many other astrologers at this point) the Dow would again fall. I was hoping that would be the other side of the punch and it would be done but it has been my feeling since the beginning which I mentioned, that this is about a two year process. I was hoping it was going to be over by this spring and the recovery would be in starting this summer. While I have a feeling certain aspects of the economy will go that direction, I think we will see more instability. 

I’m going to let you guys look at the chart and the transits and see if any of you can come up with some patterns. I’m also going to meditate on this and continue this discussion in the next post because it’s late and I need some sleep.

Best wishes and many blessings,

Denise

Answering Readers & The Great Stock Market Crashes……

Answering Readers…

More questions:

From Dera:

DERA

Denise,
I have noticed that the effects of “karma” (cause-effect relationships) have speeded up. Is something occuring in the universe to explain this? Please comment

Hi Dera,

I haven’t noticed this recently. But I have noticed at different periods of my life I have had this occur. I found it was at turning points when major life lessons needed  to be learned in order for me to move forward into the next phase of my life and usually this was in synch with the people who were close to me. They also would experience the instant karma effect at the same time. It was always most intense with those people who were involved in the same transitions. Hope that helps.

From Wei:

Wei

Any thoughts about the economy? There’s seem to be a turnaround in the stock market, but as those who knows technical analysis, the market is very over-bought and due for a fall.

I think the gov’t was corrupted a long time ago, but in our generation, I agree that Reagan era created a mindset of greed. i went to one of the best high schools in the country and had a fair share of hippies, well the minute I arrived, Reagan just came into office and there was one or two hippies left in the school. They had all graduated and I was left to learn with a bunch of mind controlled zombies. Sadly, we have continued that course and crash landed after the bubble burst.

 

Hi Wei,

I noticed the mind controlled Reagan zombies as well. It seemed to go hand in hand with the Alex Keeting generation of middle-class kids who believed the lies and amorality sold to them during the 1980s. We are still suffering under much of the delusions created then. 

I have a feeling the economy is still turning for the better. I don’t feel it is entirely stable yet and it will take until about 2011 for things to be rectified completely, but I’m not getting that horrible feeling. I had the sense that there would be a bookend crash. Meaning there would be two big market crashes. We had the one last fall but still haven’t hit the other one. However, this one should be better and the turn around much faster without the heavy consequences. If McCain would have won, it would have been a disaster but Obama has and is putting in enough netting to catch us when we fall.

Basically, I think there are some bumps ahead, but the worst part of the ride is over. I do think that the real estate market is going to hit its major low in 2010. And it will take a couple of years for it to get better from there. So I wouldn’t buy a home until 2010, but I’d do it before 2012 when the housing market should start to go up.

Best wishes and many blessings to all you good hearted people,

Denise

Answering Readers…

Something Kind of Creepy…

Pluto hits 1 degree Capricorn on the day of the winter Solstice, December 21 (this year 2008), I picked that day in the first post for all hell to break loose because of the astrological hit. Of course I had been feeling the crash and posted a couple of weeks before the market started going nutty, but warned that date was when something very bad would happen, this of course is only if that chart is 100% correct. Stuff doesn’t always happen exactly when the aspect hits, but it usually does. So far we’ve seen the market go crazy at 0 degrees quite a bit, and seems to go nuts every time Pluto goes back and forth over that point.

Now for the creepy thing. My sister in Chicago told me that a friend of her friend’s kid, a young man who recently had a schizophrenic break, and has been in a psych ward for the past few months has been screaming recently that God has been speaking to him, and that something was going to come to an end on December 21, 2008. He’s been very specific about that date, but not exactly what this end is, or what exactly this terrible thing God has been telling him is going to occur then. When my sister told me this I got the chills.

Now, maybe you’re thinking. OK, Denise this kid is nuts, so what? Well, its been my experience that psychic ability and schizophrenia in particular are two sides of the same coin. Schizophrenics are psychics without a filter, it’s as if their ego is shattered into a million pieces, and they are an open channel. Psychics have a thin filter, and with training learn how to open themselves up enough to see things. But psychics have an ego, allowing them to function almost like normal people do. In my family both schizophrenia/insanity and psychic ability run on both sides. I’ve known people who have worked in the psychiatric field who have told me very bizarre paranormal stories about schizophrenics.  I personally witnessed some very bizarre activity around my own grandmother who was schizophrenic.

Now here’s another creepy thing. Something that gave me the chills. I have poltergeist activity in my house, always have, always will. I’m pretty used to it. When I was younger it really upset me, and my family, husband, my friends, room mates, etc. But generally I’m not freaked out by it anymore, usually it’s very begnine. I feel it is mostly people from my family who come around when I’m alone with my kid (who is also psychic) doing things like turning the faucets on in my house (which several people have witnessed, 4 different friends and my husband) just to let me know they’re here as emotional support (water is emotion and turning on the faucet is a symbol of communication.)

But tonight I had a creepy thing happen. And it seemed more like a warning then a friendly “hello, we’re here watching over you,” kind of thing. I was in the kitchen holding my baby daughter when I noticed the garage light (there are 2 but only one was doing this) blinking in a sort of morris code way. And the color of the light itself was unusual, perhaps because it was so fast, more like an orange then the normal white it usually is. It’s motion activated, but there was nothing outside, no wind and the rain has stopped here for 24 hours so it wasn’t that. My neighbor’s motion detector light that always goes off when ours does, wasn’t triggered. All I can say is it gave me the creeps, and things don’t usually do that. I tried to video tape it, but of course it stopped doing the creepy Morris code thing and just went black like it had been. The other odd thing was the garage lights haven’t been working for the past 2 weeks. Maybe it was just a short or something electrical, but I’ve never seen it behave that way in the 13 years we’ve lived in this house and as I was talking to my husband about it over the phone, I heard three slow knocks on the outside of my house. 

I am taking this all to be a warning from the spirit world that something is up, and to be warned that we haven’t seen the worst of things just yet. I hope this is nothing. But I fear, from experience, that this is another warning. I had something similar, but also very different happen about a month before the first market crash. It also scared me which again isn’t easy to do. 

So, be safe, don’t do anything rash with your money, and take this warning to hunker down and be forewarned. Remember the other side usually does this sort of thing for a reason. As long as it’s not a negative entity (which is always possible and would be my trouble not a universal warning) then the spirits are just saying, “Key keep an eye out and be careful right now.”

Something Kind of Creepy…

The Stock Market: Answering a Reader’s Question

This question from George is a good one. It is at the bottom of this post for reference.

I have to admit that the feeling I had before the initial crash was intense and urgent. Since then it has been erratic. I picked the end of December into January because this is when Pluto is exactly conjunct the Dow Jones first house. Of course if the date or time was off in that chart (which is always possible) then we could have seen the hit at 0 degree instead of the 1 degree in the official chart. 

The other manifestation of Pluto going over the first house is the exposure of corruption, scandals, abuse of power and scams that could hamper investment in the market out of fear. We’ve started seeing this with the most recent news of the ex-head of NASDAQ taking rich investors for an estimated 50 billion dollars. Pluto will uncover more of this sort of thing, it may or may not lead to another crash, but it will definitely transform the way the markets are ultimately allowed to do business.

In the next 10-15 years the  market will go through such major transformations economists/brokers/bankers and financial people won’t recognize it as the same entity it once was. I think we will see instability for a long time as the market re-organizes, and gets restructured under Pluto’s influence. Which means during this long period we may see wild fluctuations as new things become uncovered, and new laws are put in place to shore up the bleeding. 

It’s my feeling that we are still in the midst of this crisis, and haven’t seen the worst of it, but it will turn around over the next couple of years. In terms of the bottoming out, if I were looking just at the aspects I’d have to say as an astrologer that the worst still will be the end of December into January when Pluto hits that 1 degree mark. And again when Pluto retrogrades back to that point at different points in 2009. However, as a psychic, I also know that charts are not always 100 accurate, so timing isn’t always exact because of this, and the intense urgency about the market I felt back in September has abated. I’m not sure if this is because we’re already in it, and I’ve gotten used to the energy, or if we really have seen the biggest drop we’re going to feel by comparison of where it was to begin with.

I do feel however, that we haven’t seen the end of companies going under, and the market dropping and being very erratic which is why for those of us who are not incredibly market savvy, it is still best to wait it out. I’d give it at least a couple of years to stabilize.

It’s been my intuition for a number of years now that there is a lot of criminal activity taking place in the stock market and I feel the uncovering of this is part of Pluto going over the first house of the Dow. I mentioned this in earlier posts. I feel we are entering into this phase of Pluto now where a lot of dirty tricks, insider trading, corruption and scams are exposed. Pluto is going to clean house, and while this is good in the long run, it will disrupt people’s faith in the market, and bring down value substantially. 

So to summarize: We are still in the middle of the bleeding. Criminal activity regarding the market will continue to come to light. The market will undergo tremendous change over the next decade. It won’t really be “safe” for normal people to invest in the market for a few years when it begins to stabilize again. More companies are going to go under. The overall value of the market is going to go down. We are headed into a different sort of depression then the 30s, but still it will be a depression. There will be international market, and banking laws put into place over the next decade, and the world will become even more intricately connected as one economy, with one set of rules we all have to abide by. After a few years of changes people will get used to the Pluto energy, and begin to understand the new flow of the market, and it will turn around for the better, and start to build more value again.

This new depression will be somewhere between the recession we felt of the 70s, and the 30s, but on a global scale. It won’t be barrels full of money to buy bread, but there will be tremendous unemployment and people having to change their lifestyles dramatically in some cases to get through this time. I also feel that the length and severity of this depression/recession has been greatly reduced by the election of Obama. His chart compared to that of the US constitution signing, and the Dow, and NASDAQ are good. Most of his energy regarding the markets will be spent in re-structuring them for the future good of the world’s economy. 

I hope I’ve made sense and this is helpful. If you want anymore clarification just let me know. 

Here is George’s question:

George

  Hi Denise,  

Do you still think that US stock markets will crash during December and January? It is interesting if you see anything new. Can you please share with us.

Thanks,
George

The Stock Market: Answering a Reader’s Question

Answering Readers’ Questions…

Hi Everyone!

More questions from readers. I’ll do my best to try and answer them.

patrick

if Hillary becomes the Sec. State, hopefully she will not be excessively distracted by outside drama or personal career plans, etc.

Hi Patrick,

Well, it looks like Hillary is going to take the job, but it won’t be officially announced until after Thanksgiving for some reason. That’s what I heard on the news at least, but you never know.  I can understand your concern about Hillary and drama, the Clinton years were full of that problem and she appeared to be very hawkish when running for president. So let’s see if she will be distracted by outside drama or personal career plans.

The tarot’s answer: Yes. But not so much in terms of her performance on the job.

She’ll be distracted to a degree by her husband. The pattern card comes up. And a man is in the center. It looks like Bill will cause her some personal anguish, the ace of cups reversed is also there. But she has the six of wands, victory in business or career also, so I’m going to say she’ll do a great job, and be an excellent wing woman to Obama, however her husband may have trouble being on the side lines.

I get the feeling Monica wasn’t really the first time she dealt with Bill’s infidelities, and I don’t think it was or is the last. There is a high probability that stuff will get leaked out about other infidelities he’s had, or may have, but I don’t get the feeling it will have much impact on the Obama administration. It will be more of a personal impact on Hillary not so much her job. I think Bill might be a sex addict. I feel bad for her. The worst part is she’ll feel humiliated because of his behavior, and that’s really not fair.

Tobe

Hi Denise,

thanks so much for your blogs. I really enjoy coming back here. You have predicted a stock market “Tsunami” for December. Things are so extremely bad already… how much worse can it get…? Do you see the Dow Jones Index going below 6000 in December…? Also, do you expect Deflation or Inflation in 2009? Are they going to print so much money that the dollar becomes completely worthless and we will finally need a new currency, or o you see the dollar getting stronger, like right now?

Thanks a lot in advance,
your advice is truly appreciated!

Hi Tobe,

I’ll ask the tarot if the Dow will go below 6000.

The answer: Yes

I saw the number 5986 while I was focusing on this question. But I could have flipped some of the numbers. Maybe 5896? I do feel that in the end of Dec/early Jan. we’ll see it get into down into the high 5000 range.

In answer to the second question. My feeling is that because the whole world will be in similar crisis our money by comparison will fluctuate, but not get to the point where we have to use a barrel full of money to buy a gum ball. So I guess we’ll see inflation, but it will be world wide, and our dollar will be nested in about the same place its been for awhile.

It’s kind of like we’re all on the Titanic together, so buying someone’s diamond ring that’s worth two hundred bucks for ten million dollars isn’t going to matter because we’re all sinking. In other words value will have an entirely different meaning within this new context.

I also see a world currency as a direct result of this crazy financial debacle. Once the international banking and market laws go into effect, it very likely will go that way out of ease of use. But I don’t see that happening right away. That’s at least a few years away. At least. And this could change depending on what happens over the next couple of years.

Marie

Thank you in advance for answering my question.

If Obama chooses Hillary for the Sec of State job, will she be a team player and represent him to well or will she be a disappointment to Obama?

Will Gov. Richardson be offered a position in the Obama Administration?

Hi Marie,

I do feel she will be a team player. I have a strong feeling that Hillary is worried this might be the highest office she will be able to attain due to her age and her husband’s notorious past. I really feel her heart is in this, and she will acquiesce to Obama’s policy. The campaign (which started almost immediately after she became a senator in my opinion) was her trying to show how tough she was and invulnerable. This stance ruined her. Both these characteristics are actually more antithetical to her then the public would think.

I feel she played tough for fear of seeming weak, and like someone who isn’t really tough, and doesn’t understand the boundaries, she overplayed this in an effort to be one of the boys. I don’t feel she is truly hawkish. I do feel she played to win according to the rules she had in her head, and didn’t follow her heart. If she had been true to herself she would have ended up being President and Obama VP. But she blew it a long time ago. Pretty much from 9/11 on when it seemed she traded in her true passion for a power pant suit. That being said, I feel we are going to finally get the real Hillary here.

As for Bill Richardson the press has already answered that one. It seems he’s going to be in the new administration as well, which is great. I meant to answer this question sooner because I had a strong feeling Obama would find a place for him but now it’s too late to show my clairvoyant skills off.

wingsofgrey

Do you think that your dream with Chicago as a target, has any connection to the 2016 bid for Chicago Olympics? Considering that Atlanta was a target, it doesnt seem to unlikely that another Olympics in the US could be a target.

Hi Wings of Grey,

By the way is this an owl reference? I love owls! They are my life long totem animal. Anyway, that’s another story, another post. 

I feel Chicago isn’t going to be a target of domestic terrorism earlier then 2016. That was my immediate feeling. Which will be before the olympics, but that’s a good question. It may make Chicago vulnerable again at that time to other attempts.

I asked the tarot and it answered: Maybe.

I’ll have to look into the astrology around that time to glean anything further. But my immediate feeling is Chicago will be a target much earlier then that, and I’m worried about that attempt right now. 

Tina

Hi, Denise–

What a gift this is! Aquarian breadth with Piscean depth taking on all the issues of our times. I truly hope you’ll pursue publishing this. I can’t be the only one needing this vision, this hope, and this inspiration.

Thank you, thank you, thank you!

Yours,

Tina

From Americhrist, 2008/11/21 at 5:38 PM

 

Hi Tina,

Thanks for your kind words and for posting this about my book!

malayali

Hello Dennis, why are you avoiding me. I need your help. Please comment regarding NIFTY. Expecting your valuable advice… your friend, malayali

Hi Malayali,

I need you to give the start date of trading of this company, the name of the company, and what market it is traded on so I can run a chart. I thought I had posted this before, but I’m sorry if either I didn’t and thought I did or you missed the post. I’ll be glad to look at it if you give me more info. Sorry for the delay. 

Wishing all of you the best!

Here’s a sample of the next bunch of questions:

barry

Hello again. Here is a unique question. When within the next 75 days would you recommend a marriage date for these two people? Born 7/28/56 Chillicothe, Ohio and 8/17/80 Olongapo, Philippines. Any other advise would be appreciated too. Thank you again.

Tjuania in Desoto, Texas

Will Tim Geitner be a good Secretary of Treasury?

Louis

Hi Denise I very much appreciate your reply and your time. The psychic advised me in October to hold on to the Australian stocks I hold. One you have answered with Oz minerals. The other is Minara Resources MRE ( Nickel and Colbalt Miner) which began on 17th March 1994. I couldn’t agree more that this crisis is more than fear and although it hurts many of us little people who have become victims of greed and deception, this crisis had to happen because we must come back to real values and respect for each other. Competition, winners and losers, victims and predators are not a healthy way to live and is unsustainable in the long run. May all the things that are good eventually prevail . And the ‘meek inherit the earth. One other question I have, although I like Hilary Clinton I am unsure of her possible position as State Secretary. Do you think if she took on the role would she be able to negotiate peacefully with other nations and create healing with those nations that are angry with America’s previous actions, interference and foreign policy? Thankyou so much

Iris

Hi Denice. This is my first time posting here. I have a question. Have you done any readings on Michelle Obama and Jill Biden? I am interested in getting to know about them and what will they do in the next 4 years.

Thanks!

Iris

Jean

Hi Denise,

Can you give me some advise on a couple of mutual funds? I had originally thought that I would just hold them through this – but if it is going to get much worse, perhaps I should sell. I just don’t know how low they will go, or how long it will take for them to recover.
MEURX
MDISX
Thanks,
Jean

Cathy

Hi Denise,

I am interested in the stocks for Boeing (BA) and Airbus (EADSY) – how this ecomonic crisis will effect them and should we hold out for the long-term?

Answering Readers’ Questions…

Answering Readers’ Questions…

The first question comes from Octavia:

Octavia

Denise, thank you so much for answering my questions. I’m going to be purchasing a 15-20 minute session in the next 2 or 3 weeks, but I was wondering if you could just answer yes or no on this question: Within 25 years will the technology/medical advancements exist that will enable perfect to near-perfect facial skin regeneration?

Thanks so much,

Octavia

The Tarot’s answer:

Yes.

In the next 25 years this technology will exist and be widely available. It won’t just be in the research phase. It looks like it will give many people self esteem, allow them to get out and be more comfortable dating. However, some may find that so many years of holing up and living a hermetic life will be a hard cycle to break even if they appear different on the outside, they might actually be confused about how to deal with the change. For those, psychological therapy will also be needed. Hope that helps.

Louis

Ceramic fuel cells CFU company in Australia, will they be a good investment in the future. They have just invented something that cheaper and carbon emission free electricity.
Thanks for the tip re Minara and Oz minerals can you see them going bust as Ive lost so much money already with them and other shares that I’d only sell now if they have the potential to go bust.

I’ll ask the tarot if Minara will go bust first:

Gee. It looked pretty great when you invested, huh? Actually the company looks like it was doing well and its fortune was about to change for the better. I asked if it would go out of business in the next 5 years, the answer. Yes. But you may find it will go up before it burns out. So I’ll ask if it will go out of business in the next year. 

No. It’s not going to go out of business within the next year. I would wait awhile to sell this and when you get back to where you started, maybe a little over, sell it then. It will go under but will have a period where it does better before it implodes.

And now Oz Minerals: Will it go bust in the next 2 years?

It looks like Oz will be acquired by another company. This will stabilize them and make them more financially stable, but they will no longer be Oz Minerals. I’m not sure what that means for your stock in Oz. Hope that helps.

steve

Your comment on the Toronto Stock Exchange TSX would be great for all us Canadians.http://www.tsx.com. Thanks much!

Hi Steve,

I couldn’t find a start date for the TSX after doing a google search and because my astrological database is made by a US company it is not listed. But I do have the chart of Canada itself and can read the market a bit through that. Although it won’t be quite as precise. If you can find the start date of TSX please post it and I’ll run a chart. 

Saturn is going through Canada’s 12th house of loss squaring Venus in the 9th (foreign matters) which rules the 8th of investing. In layman’s terms, your stock market is going to be tangled up in our mess. We are going to cause you guys some serious trouble. I’m not going to go into all the astrology but your stock market is also going to have major losses. But it seems it will be a little while before your domestic issues get addressed in a real, transformative way, not until January 2011. It may also be when there is serious anger, job loss and civil unrest. This maybe when you guys really feel the economic depression or recession depending on how your government plays this.

Being an American I am woefully ignorant of the workings of your government other than the parliamentary system you employ and I think you have elections every 5 years? Sad. I know. Our educational system is US-focused. I did a quick peek on Wikipedia trying to find that out, but I couldn’t tell when your next election will be. It could be that this aspect will mean a complete shift in the power structure, so the conservatives will be out and a liberal government will take its place. That would be perhaps the best potential outcome of the aspect. It could also be a lot darker. But lets cross that bridge when its closer.

I just tried to get more info and it looks like your Prime Minister was elected in 2006 so if there is another election in 5 years it would make sense with what I’m seeing. There will be a change from conservative to liberal. This is also when your domestic issues will really be tackled.

wingsofgrey

Hi,
I was wondering if you had any insight into the Student Loan Corporations in the midst of this economic crisis and how they could be potentially effected, specifically Sally Mae. Myself, like so many others in my age group (under 30) find ourselves anchored down by huge college debt with no realistic way to pay it off or much hope to be able to aquire property due to this outstanding debt. Is there relief in sight? Either with lower interest rates or in some other manner?

Thanks so much

Sadly this problem goes back to the Reagan administration who changed a bunch of laws regarding student loans, and it wasn’t to the student’s advantage. I know this because I was in college during Reagan’s second term. Clinton tried to rectify this a bit, and actually it wasn’t until he passed some legislation that I was able to repay my student loans back after 10 years of feeling like I was carrying around an anvil on my shoulders.

Anyway back to you. And the sad fact that Republicans don’t like people being educated. Especially college, that should be reserved for their wealthy family members who if they had to really compete probably couldn’t actually get into college. (Of course this isn’t true of all wealthy people, there are great, brilliant people in all economic classes. But certainly if George W. Bush wasn’t a legacy would he have had any chance to go to Harvard or Yale? NO.) 

OK, here goes. Let’s ask: Will there be any legislation in the next four years that will ease the burden of people with student loans who currently have them?

The tarot’s answer:

Yes.

There will be legislation put forward that will pass, helping those saddled with student loan debt. It will have a charitable aspect, and a contribution aspect. And there will be some people violently opposed to helping out the non-wealthy college educated (fancy that). It looks like some sort of community service, or using your education to advance areas the nation will be interested in expanding, teaching and or serving in the military will be options to getting debt erased. It seems there will be some kind of program put in place to try to utilize people’s specialties to enhance the country’s standing in the world, to move the nation forward, and actually it looks like this program will be good for the country, and the individuals involved in it.

One caveat, it won’t be easy. Going into this program will take up time, make some people feel as if they’re stuck for awhile and be very competitive. But it will solve a lot of people’s student loan debt problems.

Best wishes to all and good luck!

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