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Archive for July, 2010

Housing Credit Extended

July 8th, 2010

The popular homebuyers tax credit which rewarded up to $8,000 to new home buyers through a tax credit has been extended. Most likely politicians noticed all the terrible economic data that has been released over the past two weeks and so have decided to extend this valuable tax credit. While this may be a short term political decision, it could also provide some much needed positive economic news. Although the benefits of these types of tax credits can be debated, the tax credit is expected to help the home construction and sale industries in the short term.Stay tuned for more updates on this topic and to see if it is having the expected positive impact on those industries.

Financial News ,

Preferred Financial Services reviews the recent drop in consumer confidence…

July 1st, 2010

Preferred Financial Services – are your prospects improving?  Is life better today?

Andover, Massachusetts July 1st 2010 —  The consumer confidence index plunged in June to 52.9, well below the 62.7 it reached in May missing the expectations of market analysts by a wide margin. Analysts expected a rise of .1 for June but instead saw a drop of 9.8, the largest since February. This drop is also the first drop in confidence in three months and shows that we still have a lot of work to do for the economy to rebound to pre recession levels.

The consumer confidence index is used to measure the confidence of the American consumer for the present and short term future of the US economy. After the 3 months of increasing confidence this drop came as a shock and wake up call to analysts. People expected the good unemployment and manufacturing numbers to continue and they didn’t. The May jobs numbers indicated that hiring was still very slow and was keeping Americans away from stores. The lack of private sector jobs indicated that the economy was still relying on the government to get by, which is a detriment to long term growth prospects. The constant uncertainty surrounding employment was visible through this huge drop in consumer confidence. The growth engine of the US economy is the American consumer and as long as they remain on the sidelines, the economy will continue to see slow growth rates and historically high unemployment numbers.

Preferred Financial Services is a debt reduction firm certified by the CFC (Center for Financial Certifications) and accredited by U.S.O.B.A. (United States Organizations for Bankruptcy Alternatives). Headquartered in Andover, Massachusetts, Preferred Financial Services has been a leader in the debt reduction industry since 2003. Preferred Financial Services has acquired some of the best experience in the industry over the past 7 years. In 2009 alone Preferred Financial Services reduced over $16.5 million worth of consumer debt for just $6.4 million, for a savings of about 60%- and over 2,900 accounts were settled on behalf of their clients.

So readers, are you also less optimistic now than you were a few months ago? Are you still worried about your job security or have you begun spending money again?

For more information, please visit www.pfsdebtrelief.com or follow us on our blog at www.pfsdebtrelief.com/blog/ .

Contact:

Stephan Tavernini

stavernini@pfs1.net

Original Article: http://www.foxbusiness.com/story/markets/economy/consumer-confidence-drops-june-jobs-worries/?test=latestnews

Financial News

Preferred Financial Services – Do you have faith in government?

July 1st, 2010

Andover, Massachusetts July 1st 2010 —  The bad news continues to roll in for the American economy this week. After the plunge in consumer confidence, the drop in May home sales, and continued fluctuations on Wall Street we are now faced with another rise in new jobless claims. This means that in 2 of the last 3 weeks we have seen a rise in the newly unemployed indicating we are much further from a full recovery than previously thought.

The initial jobless claims had been falling consistently since its peak in March of 2009 until January 2010. At this point it settled at above 450,000 per week, with very little movement from week to week. While it is good that we are not seeing a significant rise in the claims number it is discouraging to see that the US economy can not get below 450,000. Most analysts agree that until this number falls below 425,000 the prospects for an economic recovery and job gains remain bleak.

The reasons for the continued high levels of unemployment and particularly the 13,000 claims increase last week continue to be both local and national. The expiration of the housing credit and the following drop in new homes sales and construction led to job losses in those industries. The census jobs that helped the employment numbers in May continue to expire as the operation draws to a close so these people are back on the unemployment line. Another seasonal factor that increased the claims last week was the start of the summer vacation season in school districts nationwide. Many school employees were laid off at the end of the school year as budgets across the nation continue to be cut.

While this 13,000 claim increase is not dramatic, it comes at a particularly bad time for the country as unemployment benefits are running out for many long term unemployed. Congress has refused to extend benefits beyond 99 weeks and it will become increasingly difficult to keep this position if the job numbers don’t improve. More than a million have already lost their benefits and millions more face this same fate over the next 3 months. While 99 weeks seems long enough to most, the job market hasn’t brought back the 8.4 million jobs lost since 2007 so these people really can’t do much about their situation. It is definitely a situation that congress needs to address, as things do not appear to be improving.

So readers, what do you think of these numbers? Do you have any faith in government to fix this problem? What are you doing to make sure you remain employed during this tough time?

Preferred Financial Services is a debt reduction firm certified by the CFC (Center for Financial Certifications) and accredited by U.S.O.B.A. (United States Organizations for Bankruptcy Alternatives). Headquartered in Andover, Massachusetts, Preferred Financial Services has been a leader in the debt reduction industry since 2003. Preferred Financial Services has acquired some of the best experience in the industry over the past 7 years. In 2009 alone Preferred Financial Services reduced over $16.5 million worth of consumer debt for just $6.4 million, for a savings of about 60%- and over 2,900 accounts were settled on behalf of their clients.

For more information, please visit www.pfsdebtrelief.com or follow us on our blog at www.pfsdebtrelief.com/blog/ .

Contact:

Stephan Tavernini

stavernini@pfs1.net

Personal Finance