Economic Cycles, Stock Market Crashes and the Scary Scenarios

Here we are ready to inaugurate a new president in 2017 and our stock markets are at all-time highs after a huge ‘Trump Bounce’ after the election. Many that study stock market history admit that we are in a need for a pull back as the DOW is almost ready to break 20,000 pts. What does all this mean?

Well, many analysts are suggesting it is very possible we could get a market correction in mid to late 2017 and that it could be 10-20% by the time it is done, the longer this nonsense goes on, and the bigger the bubble builds then the bigger the drop, we are over bought, almost everywhere. Then all that money printed that ended up inflating emerging markets will look for safe haven, coming back here in the short term. As those go one-by-one, that money flies out, because the money is looking for the nicest looking house (for now) in a majorly bad neighborhood, look at the EU, Japan, Middle East, India, and who knows what the hell China’s real numbers are, they have one thing going for them, they own our debt – but that might not be worth much if things go on. All that money coming back to safe haven in the US will cause inflation here, but at what cost?

Cheap loans, another bubble burst and look at the Student Loan issues 35% in default (past 90-days) and cheap car loans is only producing higher repo rates which are hidden by increased sales figures. It’s all lipstick on a big pig, socialism doesn’t work and you can’t have utopia unless you build it, and that takes capitalism which we are crushing into next week for the falsehood of cronyism. But I digress.

If we don’t get a back pedal on the stock market soon, it will all come at once, and 2008 was 8-years ago remember? That wasn’t a recovery that I’d be bragging about – basically we’ve increased regulations, size of government, and cut our military – all very stupid things to do in the present period. We are digging a hole, and I assume when if it starts to fall apart the left will blame capitalism and get their people back into power – and they will just make things worse – this seems to be a repeating problem with humanity doesn’t it? That is what socialists always attempt to do, but it all collapses anyway – Venezuela, Argentina, Greece, Spain, Italy, Portugal, Zimbabwe, hell, how about that Arab Spring a few years ago, still in shambles – Libya, Egypt, Tunisia, Syria, Yemen, who’s next? Jordan, Turkey, Saudi Arabia? Civil unrest, food shortages, people will demand what was promised and take down their governments to get what’s left. Beware the socialist mobs. But I keep digressing.

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Less Than 1,000 Days Until the Next Total Solar Eclipse in the United States

On Monday, August 21, 2017, a total solar eclipse will be visible in some areas of the United States. This is now less than 1,000 days away. The event has been a long time coming. While the last total solar eclipse to be seen in the United States occurred in 1991, that event was limited to Hawaii. Before that, the last solar eclipse visible from the continental United States was on February 26, 1979.

While the 1979 event tracked across Oregon, Washington and Montana, people in 12 states will see the 2017 event. Both eclipses started in Oregon. The earlier one then tracked up into Canada. The 2017 eclipse starts in Oregon, travels across the central United States before finishing far out to sea beyond South Carolina.

A total solar eclipse is a rather rare occurrence. Estimates place the likelihood of any point on Earth experiencing one only every 400 years. This is not absolute, however. Several Oregon locations saw the 1979 eclipse and they will see the 2017 event as well. For them, experiencing two solar eclipses in a little more than 35 years is quite unusual. Closer yet are the cities of Carbondale, Illinois, and Cape Girardeau, Missouri. Residents there will see the 2017 eclipse as well as another in April, 2024. This separation of less than seven years for these two eclipses is very unusual. Of course, it may be hundreds of years before these cities see another.

To be a total eclipse, the moon must completely obscure the sun, for an observer standing on Earth. This can occur monthly, at New Moon. Ordinarily, however, the moon passes either above, or below, the sun’s position, as viewed from Earth. As a result, the moon’s shadow normally sweeps across open space. On rare occasions, as the moon passes directly in front of the sun, a shadow is cast upon the surface of the Earth. If the sun is partially obscured, a partial eclipse results. If the sun is completely obscured, a total solar eclipse occurs. The moon is much smaller than the sun, of course. In fact, the moon is some 400 times smaller. In an astronomical twist, the moon is also 400 times closer to the Earth. This makes the apparent size of the moon very close to the apparent size of the sun. When the moon passes directly in front of the sun, it is able to completely eclipse the sun, for some viewers on Earth.

The shadow cast by the moon, however, is very small. Depending on the distance between the Earth and the moon, which varies somewhat, the moon’s shadow will darken a strip of Earth about 70 miles wide. This strip is called the Zone of Totality. Those people located within this zone will experience a total solar eclipse. Those near, but outside, will see a partial solar eclipse.

On August 21, 2017, the sun is eclipsed for as much as 2 minutes and 40 seconds at the maximum point. Hopkinsville, Kentucky happens to be located at this point. People not located there may see a shorter eclipse duration. Those located outside the zone of totality will only see a partial eclipse. Some cities that will experience totality include Nashville, Tennessee, Kansas City and St. Louis, Missouri. The 2017 eclipse will potentially be seen by millions of people located across the United States.

Each total solar eclipse is unique, but there are similarities. The Earth will darken over time as the moon obscures more and more of the sun. This is the partial eclipse phase. As totality approaches, the amount of sunlight striking the Earth will be greatly diminished. The sky will become similar to twilight. Colors normally seen at sunset will be visible during the day. Birds, animals and insects will be fooled into believing that night is falling. Some will return to their nests or roosts. Nocturnal creatures will begin to emerge. These effects often happen even if a total solar eclipse occurs early in the morning. After totality ends, another partial eclipse phase occurs until the moon passes beyond the sun’s location.

The biggest factor that cannot be predicted with certainty is the weather on August 21, 2017. Cloudy weather could obscure the eclipse for interested observers. As a result, many people examine historical weather patterns in order to determine prime eclipse viewing locations. Since the 2017 event occurs in August, there are some rather promising weather possibilities. In Oregon, the August weather tends to be sunny and dry, perfect eclipse conditions. Morning fog, storms, or clouds, could thwart eclipse viewers, however.

Idaho and Wyoming residents will also experience the 2017 eclipse. The weather in these states could allow a very good eclipse viewing experience. The eclipse occurs fairly early in the day, lessening the possibility of localized thunderstorms.

As the total solar eclipse tracks across more states, from Nebraska to South Carolina, the possibility of inclement weather increases. These locations will experience the eclipse later in the day. Afternoon storms, or hazy weather, could be encountered. Such weather could limit the eclipse experience.

Many US cities have already begun planning for the August 21, 2017 total solar eclipse. The event represents an opportunity to entertain tens of thousands of visitors to cities located within the zone of totality. With proper attention to details, cities can provide a favorable eclipse experience that also highlights the attractions of the local area. Weather permitting, of course.

Bonus Facts:

– the distance from the Earth to the moon increases each year. In less than 1.5 billion years, the moon will not be close enough to produce total solar eclipses. After that, only partial or annular eclipses will occur.

– when the moon eclipses the sun, the sky darkens enough to allow planets and bright stars to be seen in the daytime. On August 21, 2017, the bright star Rigel should be visible low in the south. – Albert Einstein predicted that a total solar eclipse could provide direct proof of the General Theory of Relativity. He postulated that the eclipsed sun would cause light to be bent, for an observer on Earth. This would be proved as stars located behind the sun would appear to be shifted in location. This visual evidence was demonstrated during an eclipse in 1919.

– as the moon passes in front of the sun, it blocks enough sunlight that the solar corona, the super heated atmosphere, becomes visible to people on Earth. The shape of the corona is different during each eclipse as it is influenced by the level of magnetic solar storms, which constantly changes.

– ancient civilizations did not understand the science responsible for total solar eclipses. Eclipses were attributed to supernatural causes and thought to be bad omens.

– the theoretical maximum duration of a total solar eclipse is about 7 minutes. The 2017 eclipse is less than half this duration, at 2 minutes, 40 seconds for those located in Hopkinsville, Kentucky.

– the sun is not safe to view during any portion of the partial eclipse phase. Even if only 1% of the sun is visible, observers risk damage to their eyes through direct observation. At this eclipse stage, the sun appears to be dim enough to view. Unfortunately, the lit portion still transmits full force sunlight to the optic nerve. Because the level of light is so much lower than normal, the observer feels no urge to avert their gaze. Moreover, the optic nerve does not contain pain receptors so victims are unaware that their eyesight is being damaged. Proper eye protection is vital for all observers of the partial solar eclipse phase.

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Five Former All-Stars Who Need To Have Comeback Years in 2017

St. Louis did to Chicago what the Cubs did to the Cardinals during last year’s off season, signing a valuable part of their outfield to a free agent contract. In 2015 Jason Heyward went from the Cardinals to the Cubs, where he received a World Series ring.

This year, the Cardinals returned the favor, signing Dexter Fowler to a free agent deal. Fowler served as a spark at the lead off spot for the Cubs, as well as providing near Gold Glove defense in center field.

St. Louis hopes the overall season turns out as well as 2016 did for Heyward and the Cubs, who won their first Fall Classic in over one hundred years. In order for that to happen, the Cardinals will have to get better individual results from Fowler than the Cubs did from Heyward. Although he remained a top notch defensive right fielder, Heyward’s offensive numbers were disappointing. He struggled so much that manager Joe Madden did not even start him in several World Series games against the Indians.

The Cubs are hoping Heyward has a comeback season in 2017, as are a dozen or so other players. Several of them were mentioned in an article by David Schoenfield at ESPN.com on December 6,2016, a list including Arizona pitcher Zack Greinke, Boston infielder Pablo Sandoval, and Washington first baseman Ryan Zimmerman.

Omitted from that list are five other players who are hoping to bounce back after a down year, or in some cases, back to back down years. Here are five other prominent players who need to have comeback years in 2017.

Joe Mauer of the Minnesota Twins

The former American League Most Valuable Player has had two sub par years in a row, even though he still leads the Twins in quality at bats. Mauer’s batting averages in 2015 and 2016 were both more than thirty under his career .319 mark.

Bryce Harper of the Washington Nationals

After earning the National League M.V. P. honors the season before, Harper hit just .243 and his 24 home runs were barely half of the total he hit in 2015. The outfielder is also hoping to improve his numbers considerably, since he is eligible for free agency after the season.

Andrew McCutcheon of the Pittsburgh Pirates

Trade talk regarding the former N.L. M.V.P. has been frequent throughout the winter, so his comeback may have to occur while he is wearing the uniform of a club other than the Pirates. Ben Revere of the Washington Nationals

After hitting.317 with the Toronto Blue Jays in 2015, Revere’s average plummeted to .214 when he went to Washington. He really needs a comeback year for, like his teammate Harper, he will become a free agent at the end of the season.

Alex Gordon of the Kansas City Royals

His home run totals went up four from 2015, but his batting average dropped fifty one points to .221. Kansas City, which missed out on the playoffs after winning two straight pennants, needs Gordon to bounce back if they want to return to the postseason.

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3 Affordable Cars for College Graduates and Young Students Living in Philly

Philadelphia, nicknamed Philly, is the fifth-most populous city of America. One of the main reasons of the city’s high population is the large number of students residing in Philly. It has the third-largest student concentration on the East Coast of America. It is home to more than 120,000 students who are enrolled in different universities around the city. There are more than 80 universities, colleges and schools in the region. Also, several young people are enrolled in the oldest university of America, University of Pennsylvania.

Buying a Car with a Limited Budget

As a student studying in Philadelphia, you must think that you should not spend your money on luxurious items. But, it doesn’t mean that you cannot buy a car to make your daily commute comfortable. Also, do not think that you will end up with an old, dilapidated car only. It is a fact that your limited budget will not permit you to buy a luxurious brand new car. But, if you research thoroughly, you will find several new car models that will fit your lifestyle and budget easily. Here are a few affordable car models that a student should consider buying in Philly:

· Nissan Versa

If you want to invest money in a good, reliable and sturdy car, you can consider buying Nissan’s Versa Sedan car. It is ranked as one of the cheapest cars in Philly. Nissan ensures that you become a proud new car owner for around $10,000. It means you can buy a car with the help of your limited budget. It is a great bargain because several new cars are priced around $30,000. The cheapest Versa S version of the car has a powerful engine with 109 horsepower. Its unique halogen headlights provide maximum visibility at night and make sure that you reach home safe.

Before visiting a dealership in Philly, make sure that you register as a Nissan College Grad on the company’s official website. Once you finish the registration process, print the Nissan College Grad Certificate and show it to the dealer for obtaining discounts.

· Hyundai Accent

Critics consider the car as a perennial best seller. You can buy the new Hyundai Accent for $14,745. However, you will be able to reduce the price of the car with the help of Hyundai College Grad Program. The auto manufacturer offers a student incentive program to college graduates and young students of Philly. Hyundai offers a $400 bonus for buying a car in Philly. The dealer will consider the bonus as a part of the down payment amount for buying the car.

Hyundai Accent will quench your thirst for a powerful car because it has a 137 horsepower, 1.6 liter four-cylinder engine. Also, you can make a choice between six-speed manual and six-speed automatic transmissions. The car is a joyful ride for the young generation because it provides a great audio system with six speakers, tilt-steering wheels, dual vanity mirrors and exterior temperature display.

· Kia Rio

Kia Rio is a favorite car among the young generation of America. It is because it offers spacious cabin space and cheaper maintenance costs. The 2017 model was unveiled at the 2016 Paris Auto Show. And, since then, it has captured the attention of car lovers across America. The South Korean manufacturer has packed several features for the tech-savvy students of Philly. It provides rear-camera display to help you park properly at your college. Also, its connection-on-command service UVO will provide you with driving directions and access your favorite apps to help you improve your driving skills. Similar to Hyundai, Kia Motors also offers a student incentive program in Philly. It provides a $400 discount along with other incentives to college graduates and young students.

Buying a new car signifies your entry to adult life. It is an important decision that will have immense consequences on your financial situation. So, do not make a hasty decision. Spend time in finding a car model that suits you. Do not forget to consider different incentive programs that auto manufacturers offer to college graduates and young students of Philly. It will make the car buying process affordable for you.

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Mobile Content Market Trends and Opportunities

The mobile content market covers many forms of media such as music, text, pictures, videos, etc. These media forms can be accessed using a mobile device which can be a smartphone or tablet handheld device. Devices such as iPhone, iPad, and Android devices have transformed the way consumer access content.

Mobile Content Market Drivers and Opportunities

The demand for mobile content is growing rapidly. Various factors attribute to the growth of this market.

Market Drivers

Rapidly increasing disposable incomes, innovative products and technologies, and mobile devices with advanced features tend to boost the growth of this market. Decreasing prices with the competitor’s product with increasing mobile bandwidth and speed has also supported the growth of the mobile phone content industry.

A market intelligence firm has stated that the global and the U.S. mobile phone content market was worth $6.5 billion in 2011. It is anticipated to reach a total value of $18.6 billion in 2017, with a CAGR of 19% during the forecast period of 2011 to 2017. On the other hand, factors such as decreasing market share of U.S. sales of ringtones along with distribution and marketing challenges hamper the growth of this market. However, the industry has many opportunities which will increase the revenue shares of the market.

Joint ventures between publishers and marketers and the role of devices and network in the mobile content industry will provide further opportunities for key players in this market. In addition, trends such as growth of social networking and availability of multiple options for substitute products in mobile content industry will support the growth of the market. Key players also have untapped opportunities in the sector of free and fee-based mobile phone content services.

Segmentation of the Mobile Content Industry

The global market for this report is segmented in two major parts which are the revenue-generated and user-type. These two segments are further divided into mobile games, mobile music, and mobile video.

Dominant Mobile Games Sector

The same market intelligence company has stated that the mobile games sector is expected to be the largest segment in the industry and reach a value of $11.4 billion by the end of 2017. Mobile games sector was the largest market sector in 2011 with a revenue share of 53.3%. It is predicted that this segment will further solidify its position in the overall market with a 61.7% market share by the end of 2017. The mobile games market worldwide was worth $3.5 billion in 2011 and will amount to $11.4 billion in 2017 with a 21.9% CAGR during the forecast period.

U.S., the Dominant Regional Sector

According to geography, the global mobile device market is segmented into U.S., Europe, Asia-Pacific, and Rest of the World. The U.S. market for mobile content stood out as the largest regional market with an impressive revenue share of 30.3% in 2011. Faster adoption of mobile content in U.S. will considerably increase the market share to 41% by the end of 2017.

Mobile Content Marketing Trends

It is predicted by market analysts, that in the coming few years the mobile market’s revenue will double than the current figures within a year.

Consumer TrendsConsumers while buying mobile device content tend to compare content features, smart devices, and innovative technologies in the market. This factor tends to impact the mobile content industry greatly. The demand for mobile content will continue to grow in future as more mobile devices arrive every month on the market.

Mobile Optimized Sites Vs. Apps

In addition, the competition is growing between mobile optimized sites versus mobile-native content. This trend is one of the biggest struggles for mobile content provides whether to invest in mobile optimized sites or to invest in mobile-native content like apps.

According to Forbes, one of the key components to monetizing the mobile content is by selling apps. However, selling apps for two dollars a piece is not the only way to make apps profitable. Selling ads is one of the way companies can make profit.

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