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December 9, 2009 Forward this issue to a Friend
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Michael Brady, President
Generosity Wealth Management
2387 Point of Pines Drive
Boulder, CO  80302
P 303.747.6455
F 858.947.3807
www.generositywealth.com
 
Registered Representative of and securities offered through QA3 Financial, Corp.  Member FINRA/SIPC
Investment Advisor Representative of and Advisory Services offered through Generosity Wealth Management, LLC., a Colorado Registered Investment Advisory firm 
Generosity Wealth Management, LLC and QA3 Financial Corp or QA3 Financial, LLC are not affiliated companies
The information being provided is strictly as a courtesy.  Our company makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you assume total responsibility and risk for your use of the sites you are linking to.
Greetings!

This week Unemployment is on my mind. 

It's great the Unemployment figures have dropped to 10.0%, but what would it take for them to drop any further?  How is the 10% rate calculated?

Click on the link to hear me talk
Option ARMS for Mortgages

Option ARMs
I wrote a few weeks ago about mortgages and how the residential real estate market is doing very poorly in certain states.  This article below is talking about Option ARMs (Adjustable Rate Mortgages) which will be very devastating to many people as they see their mortgage payments increase.  Like the real estate problems, it's concentrated in a few states.

 
 Narrowing Credit Spreads

Credit SpreadsThe spreads between investment grade and lower rated credit has gone down a lot in the past year.  This is a good market indicator about perceived risk.

 

U. S. Share of the world GDP?
World GDP
We've heard a lot about the emergence of China, India, and other countries as major global economic players.  Since the pie always equals 100%, at who's expense has this share come from?  It's not the United States!



Atlas Shrugged by Ayn Rand
Atlas Shrugged
I mentioned in a previous newsletter that I'm a co-host of a book club at Highland City Club here in Boulder.  In January we'll be discussing Atlas Shrugged, an undisputed influential book, for good or bad depending on your point of view.

Let me know if you're interested in attending.  It's January 13th.

Link to Atlas Shrugged at Barnes & Noble
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I'm here to help!....

I'd love to talk more with you about the above topics or anyway I can help you grow and preserve your money while providing for yourself, your family, and community.

Mike