SECOND CRISIS IN 2010 WATCHOUT

Many who predicted in 2010 was a year of recovery of the global economic crisis. But not a few who still put too cautious stance even further to predict the coming crisis of global crisis aka second stage.

Fortunately, in 2009 the positive sentiment and spirit of optimism successfully raised the indices of global stock markets from collapse. And in 2010, with the same spirit, is expected to be a year of recovery.

According to ANALYST, most people are too happy with the euphoria of recovery in 2009, so missed seeing the signs of further crises. Subprime Mortgage may have passed. But he insisted, Subprime Mortgage is not the only high-risk mortgage products in the U.S..

The others product that like Mortgage are Alt-A and Option ARM. Two of these products are often known as Ninja loans (No Income, No Job and Assets) which means that mortgages for people who have no income, employment and collateral.

The differences between Subprime mortgages and Alt-A and Option ARM are :

Subprime mortgages are high-risk option offered with attractive, at least look like it. In the first year, Subprime borrowers are not charged interest. New interest charged after the first year.

Alt-A and Option ARM gives borrowers the flexibility to pay the mortgage during the first 5 years. After 5 years will be subject to periodic interest rate adjustments.

If Subprime worth U.S. $ 1.5 trillion alone makes the world in shambles, can imagine what would happen if the product the customer was Alt-A and Option ARM are also not able installments after an adjustment of interest rates that will occur mid-year 2010. Commercial property loans are showing signs of collapse. For the record, the value of commercial real estate loans in the U.S. reached U.S. $ 3.5 trillion.

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2010 World Economy Prediction

2010 World Economy Prediction :

1. After Great Depression at 2008-2009. Financial sector (G20 Country) is expected to recover in early 2010 because helped by government funding that could melt the liquidity. For the short term, in the next several quarters the World economy will still be grappling with a decline in industry performance, weakening consumer confidence indicator, and rising unemployment. Especially in U.S.

2. Oil price keeps stable 75 to 95$. Many company still find more cheaper fuel for their industry like COAL, BioFuel, etc. This led to an increase in the price of other resources, because many request.

3. Gold price goes up slowly into 1300$-1500$, Buy this kind of investment for safety.

4. US, Europe, and Japan show an economic improvement in 2010. Will be increased about 3-4%.

5. Economy 2010 for Developing Countries in the area to be 5-6 percent growth.

6. STILL more difficult Trouble Find A Job. last unemployment data showed an increase of 8.1%. The high unemployment rate will likely slow economic improvement scheme. Especially savings and durable goods. Official reports said the unemployment rate was 10% for most of the period of 2010, but it could take up to 12% in the U.S..

7. Real Estate Prices Flat to Low. Real estate prices is expected to be on track with a flat or decline during 2010.

8. The FED rate still almost zero percent.

9. Dollar will still drop in 2010.

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