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September 23, 2010
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Michael Brady, President
Generosity Wealth Management
1818 16th Street
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
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Greetings!

This week's diatribe is about off-balance sheet accounting and alternative financing.

I've been approached multiple times in the past month or two about investment opportunities funding some activity outside of the normal funding channels (banks or equity financing).

This leads me to wonder how much lending is happening in our economy this way and if it's under the radar.  I don't like the sound of it.

Listen to my video below.
Ten Things Making Me Nervous

Nervous
If you look back at my 3rd Quarter Preview (here) I mentioned I forecast the 3rd quarter would be up.  That's proving to be a great move (if I do say so myself).

But what makes me nervous?

This article sums up a lot of my feelings.

Does that mean I'm bearish for the 4th Quarter?

I guess you'll have to wait until my 4th Quarter preview in a couple of weeks to find out.

Click on this link

 
Deleverage? No, Default!

Debt DeclineMany articles have been written in the past year about the decline in U.S. Household Debt.

This is something to celebrate, right?  People are paying off their debt, right?

Wrong.  It is almost scary how closely the decline in US Household debt correlates with the charge-offs of mortgage and consumer loans.

People are defaulting, not paying them off.

Click on the link below.

 
No Increase in Social Security Benefits 2011
Social Security
It's unofficial, but it's looking like there will be no cost of living adjustment (COLA) for 2011.  If you recall, 2010 had no increase.

Please click on the link below



Five Things Employers Want to Know
Employers
Last week I was invited to speak about financial literacy to NASA employees down in Houston that are being laid off.

One of the other speakers was a recruitment and job placement specialist.  He had this slide which I thought was good for employees looking for a job, but also for those of us already employed or self-employed.  Do you have a good answer for each one?
  • Why are you here?
  • What can you do for us?
  • What kind of person are you?
  • What distinguishes you from the other people who can do the same tasks?
  • Can I afford you?
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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