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The Retired Persons Guide To Making Money Online
If you are retired you have a great opportunity to online. After all, you will have as much time as you need in order to make sure that you are a success. Unlike other people that try to online, you will not have to work another job in order to stay afloat financially. You can make this work to your advantage, and be making money online before you ever thought possible.

Listed below are a few tips that you should follow if you are retired and looking to online.

1. The first thing that you will need to do is make sure that you have enough knowledge of the Internet to be successful. Some retirees never used the Internet in the past. If you do not have experience online there is no reason to give up on your goal. Simply get connected and start dabbling. For assistance you may want to purchase a book or two on getting started online. These will give you basic information on the Internet, and what you need to know to get started. You may also want to take a course at a local community college. This is a great way of getting first hand instructions from a professional.

2. When you are ready to go, the next thing that you must do is making a decision as to how you want to make money. Do you want to start an online business? Or do you want to use affiliate programs to make money? Some retirees find that the easiest way to online is to bring there past work knowledge into their venture. This way they already have knowledge on the industry.

Help to Suceed in Cash Gifting

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Added: January 6, 2009

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going into a Great Depression. Notice

U.S. economy probably lost more jobs in 2008 than in any year since the end of World War II as firings rippled from homebuilders and automakers to banks and retailers, a government report may show this week. Payrolls fell 500,000 in December, bringing last years decline to 2.4 million, the most since 1945, according to the median estimate of economists surveyed by Bloomberg News ahead of Labor Department figures due Jan. 9. The unemployment rate likely jumped to the highest level since 1993. The figures will underscore the urgency behind President- elect Barack Obamas plan to pass a stimulus package that will create jobs and mitigate the recession, already the longest in a quarter century. Other reports may show slumps in housing, manufacturing and service industries deepened at the end of last year, setting the stage for more weakness in 2009. (ARTICLE CONTINUES BELOW) Were continuing to lose massive amounts of jobs, said Michael Feroli, an economist at JPMorgan Chase & Co. in New York. The negative momentum carrying over into the first half of 2009 will hold down the economy regardless of policy. The jobless rate probably climbed to 7 percent in December from 6.7 percent the prior month, according to the survey median. Manufacturers probably cut 103,000 workers from payrolls, the report may also show. Factories, which make up 12 percent of the economy, shrank in December at the fastest pace in 28 years as new orders for products from cars to furniture reached the lowest level since records began in 1948, the Institute for Supply Management reported last week. Auto Bailout The Bush administration agreed last month to give General Motors Corp. and Chrysler LLC $13.4 billion in federal loans to avert bankruptcy. GM, whose shares slid 87 percent in 2008 ? the most among the 30 companies in the Dow Jones Industrial Average - - and Chrysler probably led a drop in December U.S. auto sales that capped the industrys worst year since 1992, according to the average forecast of analysts surveyed. The Tempe, Arizona-based ISMs report on services, covering the rest of the economy, is due Jan. 6. That index likely dropped in December to the lowest level since records began in 1997, the survey showed, as Americans cut back during what may have been the worst holiday shopping season in four decades of record keeping. Electronic Arts Inc., the second-biggest video-game publisher, last month boosted planned job cuts to 1,000, or 10 percent of its workforce, and said it will consolidate or close at least nine studio and publishing locations. Labor-market conditions have deteriorated, Federal Reserve policy makers said last month when they cut the benchmark interest-rate target to as low as zero. The central bank also has said it will buy debt as the next step in combating the recession, now in its 13th month. Minutes of the Feds Dec. 16 meeting will be released on Jan. 6. see this vid on the money masters and wake up http://video.google.com/videoplay?docid=-515319560256183936

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Added: January 6, 2009

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Added: January 6, 2009

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Thoroughbreds Don't Cry - Original Trailer 1937

Young Roger Calverton (Ronald Sinclair) and his uncle Sir Peter Calverton (Sir C. Aubrey Smith) bring their prize race-horse The Pookah to America, hoping to win a major purse and save their impoverished family estate. They cross paths with Tim Donahue (Mickey Rooney), one of the top young jockeys in the business, and also with Cricket West (Judy Garland), the niece of Mother Ralph (Sophie Tucker), who runs the boarding house where Donahue resides. Cricket likes to sing every chance she gets, and also has a terrible crush on Tim, but even she can't abide his brash, cocky attitude about himself -- and as a good hostess and also a sensible girl, she also gets just a tiny bit smitten with Roger. He and Tim have a rough first meeting but find that they do sort of like each other, and soon Tim -- who has had a tough, hard-scrabble life -- becomes very close to his new friend from England and to Sir Peter, especially when he finds out how much they love horses and racing. He agrees to ride The Pookah -- but then the young jockey is suckered by his estranged father (Charles D. Brown), a low-life member of a gambling syndicate, into throwing the race. This leads to a tragedy that forces Tim to walk away from his profession and everyone he knows, until Cricket finds him and convinces the boy that what he did wasn't entirely his fault, and that he still has the power to make up for a part of it. Tim steals some of the money he gave his father -- supposedly to save the man's life -- to help Roger get The Pookah into another race, but he still has to overcome the machinations of the mob so he can right the wrong he did to the best friends he's ever had. Judy Garland - Cricket West Mickey Rooney - Tim Donahue Sophie Tucker - Mother Ralph C. Aubrey Smith - Sir Peter Calverton Ronald Sinclair - Roger Calverton Forrester Harvey - Wilkins Charles D. Brown - Click Donahue Frankie Darro - Dink Reid Henry Kolker - Doc Godfrey Francis X. Bushman - Race Steward Elisha Cook, Jr. - Boots Maguire Helen Troy - Hilda

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Added: January 6, 2009

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Added: January 6, 2009

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How to Make Money Online - Affiliate Marketing #1

Maverick Wealth Wave (http://www.MaverickWealthWave.com)- Video on how to make money online through affiliate marketing - promoting goods & services, or even by qualifying leads for legitimate companies, that can bring your substantial income monthly. This video explains how, as an affiliate marketer, just about anyone can build a great income online. This video is by an accomplished Internet Millionaire who made just over $2 mil over 6 months, all by just being an affiliate. Visit http://www.MaverickWealthWave.com for other free videos and the complete video training system.

Author: slickdrums
Keywords: "make money online" "Maverick Money Makers" "how to make money" "affiliate marketing" "online business" "video training" video
Added: January 6, 2009

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Birthday Bonus Club!!! $147,000 On Your Birthday! Join FREE!!!!

Join For Free & earn up to $147,000 on your birthday!! Check out the website now & get your FREE spot. http://birthdaybonusclub.com/helpforsuccess

Author: helpforsuccess
Keywords: mlm cash leveraging system paysforever gifting ipcinstantcash lwsfreedom gdi make money online ezwealthsolution
Added: January 6, 2009

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Permanent

DISCLAIMER: I do not own Legend of Dragoon or the song Permanent. Those are owned by Sony and David Cook respectively. I made no money and will NOT make any money off this video. It was just for fun! This is a tribute to Lavitz, Dart, and Albert's triangle of friendship. To see the video that inspired this one go to... http://www.youtube.com/watch?v=P8_Kbq8B0pE ARTIST: David Cook Song: Permanent Visual: Legend of Dragoon.

Author: SailorCetra
Keywords: Legend of Dragoon Lavitz Dart Albert
Added: January 6, 2009

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How to make money online

http://www.createwithmyc.com call me at 214-779-7926 AIM messenger Createwithmyc Email Createwithmyc@gmail.com Squidoo http://www.squidoo.com/spiderwebsystem1 when you become a part of my team come see this site for updated tips Make money online free- NO Buying Make money online free- No Selling Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING or when you become a member of my team visit for updated info. Make Money Online Literally Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING Make money Online Fast and FREE! How To Make Money OnlineCan your website make more money? Try Google AdSense - Learn more. $500 in 15 Minutes? Yes, it is possible and real. We make it possible. Try it now. Make Money Online Work At Home Internet Marketing Make Money Online - How to Make Money Online and Work at Home by Internet Marketing, Search Engine Optimization, Affiliate Programs, Pay Per Click, ... [Make Money Online] Resources of how to (make money online). Find money making opportunities. Update of latest free Internet marketing e-books, reports and tools released by ... (Make Money Terell Online) (Without Spending a Dime) "Making money online"- used to pretty much require you to have your own Web site, products to sell, and some marketing savvy. But a whole new generation of ... how to how to how to how to how to how to make money online business online internet opportunity job job job jobs How to Make Money Online for Beginners Bloggers don't make money online - Internet Marketers do. It has taken me a while to understand why so many of my readers just don't get it. ...Make Money Online - Top 100 Blogs 5n5 rank tells you how you rank in your niche, the make money online blogging niche. Not only will you learn how you are doing compared to your friends and ...Bloggers Make Money from BlogsOn Darren Rowse's "How Bloggers Make Money Online" post, he explains on make .... How Blogs Make Money Online Blogging for Beginners Blogging for Dollars ...YouTube - How to Make Money Online Make Money Online | Agloco Ive just setup this page - Make Money Online Link Exchange as my Links page for all those who've been wanting to link exchange with my blog. ...Book Review: How to Make Money Online with eBay, Yahoo!, Terell Kissendal & Google My first reaction when I picked up this book was 'oh no, not another book full of computer screenshots and links that will probably be broken a year from ...How To Make Money Online - Forbes.com Want to join the Internet millionaire's club? Here are some options.Make Money Online with an Internet Business Make money online with an Internet business. CyberCashology: the art & science of converting your personal computer into your personal cash register. Make Money Online Sign up for my FREE Website Marketing newsletter to learn how to make money online. You will also get monthly news updates, Internet marketing tips, ...Make easy money online Making easy money online is possible, it's not rocket science. I've put this page up to show you the best ways to make easy money online. ...Make money online, Making money ideas, news and reviews A review of sites that will help you earn money online with some topics in internet business marketing and search engine optimization techniques when ...Make Money Online: 100+ Tools and Resources Making money online is a dream for many, but the simple fact is that it's often just as tough as ...Internet Business Make Money Online internet business opportunity make money online business internet make money online opportunity system business internet (make money) online opportunity (Make Money Online) Blogging About Your Hobby in internet marketing

Author: kingsmyc
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Added: January 6, 2009

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Make Money with Global Domain Internet

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Author: Tonestir500
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Added: January 6, 2009

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The Real Local Ad Link Leaders with Nate and Andrew

This is a video Andrew and I did late night. Now I know why people hire actors! This is to get you started in the right direction to finding out about Local Ad Link and to find the right Leaders that are going to show you how to do this right and make money. Watch for upcoming videos from us, coming soon.

Author: apisher
Keywords: "Work at Home" "Local Ad Link" "Home Based Business" "Extra Money" "Extra Income" Freedom "Time for the family"
Added: January 6, 2009

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This is a great option that you should consider.

3. After getting your business idea in line, you will need to set up a business and marketing plan. This will help to keep you on track during your quest to online. By having a business plan in place you will be able to stay on track no matter what is thrown at you. And a marketing plan is very important so that people know you exist.

4. Stay patient when trying to online. Just like anything else you are going to run into problems along the way, and you will probably feel like giving up. But by staying with your plan, you will reach your goals soon enough. The best way to ensure your success is to choose a business opportunity that you are experienced with, as well as one that you enjoy doing. A lot of people start their own home based business just to find out that they do not even like the industry that they chose; this is usually caused by a lack of research and preparation. By assessing your current situation, you will be able to come up with an idea that suits your needs.

Overall, retired people can make a lot of money online. If you are in this situation, you will want to follow the tips above in order to get started. By doing so, you will be on track to making money online, and supplementing your income.

Earl Williams makes it easy to build your home-based business and earn a substantial income, learn how by Visiting: http://www.NetMarketer.org

 

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Deborah Arnott: How the FSA got financial regulation wrong
Deborah Arnott: We should have taught bankers the same lesson we taught consumers: if it looks too good to be true, it almost certainly is
Property: British second-home owners suffer as French house prices fall
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/35525?ns=guardian&pageName=Money%3A+The+French+correction%3A+Falling+house+prices+sting+expat+owners&ch=Money&c3=guardian.co.uk&c4=Buying+property+abroad%2CHouse+prices+%28Money%29%2CForeign+currency+%28Money%29%2CMoney%2CBusiness%2CHousing+market+%28Business%29%2CProperty&c5=Personal+Finance%2CCredit+Crunch%2CBusiness+Markets%2CProperty+Mortgages+and+Interest+Rates&c6=Peter+Davy&c7=2009_01_06&c8=1142284&c9=article&c10=GU&c11=Money&c12=Buying+property+abroad&c13=&c14=&h2=GU%2FMoney%2FBuying+property+abroad" width="1" height="1" /></div><p>Back in April last year, the IMF warned that after the crash in Spain, French property, along with the UK and Ireland, was "particularly vulnerable" to a fall. But while Britain and Ireland saw steep declines, France seemed to carry on regardless. In the 12 months to July, according to the French National Estate Agents Federation (Fnaim), property prices overall were still up by 1.7%, with the strongest places continuing to report gains.</p><p>For many Brits ? and they are estimated to own more than 75,000 second homes in France ? it has been the only chink of light in the overwhelming property gloom, which has seen prices in the UK <a href="http://www.guardian.co.uk/business/2009/jan/02/halifax-house-prices" title="">fall by as much as 16% </a>.</p><p>However, that has now changed. Sales have dropped off sharply over the past few months, with Fnaim noting in September that "the brutality of the slowdown" had surprised seasoned observers. In December the association's executive director, Henry Buzy-Cazaux, told French radio that agents were faced with a 20%-25% fall in activity since the beginning of the year.</p><p>This has begun to hit prices: the third quarter saw falls of 1.3% and Fnaim expects prices to have finished 2008 around 5% down. Estate agent <a href="http://english.laforet.com/" title="">Laforêt Immobilier</a>, which has 875 offices throughout France, puts the figure at 10%. No one now seriously expects anything but further falls in 2009.</p><p>"I think [the] next year will be very hard," says agent Leo Attias, who heads up Fnaim's Paris office. The problem is credit ? while French banks avoided the sub-prime crisis hitting America and the UK, they are worried about the possibility of rising unemployment. Lending criteria for mortgages ? already strict by UK standards ? have been further tightened by lenders. "They are very reluctant," says Attias.</p><h2>Rural problems</h2><p>Outside Paris and the cities, and particularly in the rural areas favoured by the British, the problems are likely to be even worse. Charles Gillooley is manager of estate agent <a href="http://www.immobilier-causses-vezere.com/english/index.php?page=3" title="">Immobilier Causses et Vézère</a> in Thenon, and president of Fnaim for the Dordogne. His region has the highest density of British people in the country, and if you ask how the market was in 2008 you get a one-word answer: "Hard". Agents are reporting sales down by 50% and prices down a quarter. "France is going the same way as the others," he says, adding that many properties simply won't sell.</p><p>In rural areas the problem is not just the credit crunch but the exchange rate, which has seen the British, who make up as much of a third of the market, pull out. For them, even a 20% drop in prices has not made owning a second property in France any cheaper.</p><p>"There was a gradual decline in transactions since the start of the year, but it has been much steeper since September," says another agent selling in the region, Jerry O'Neil at <a href="http://www.premierfrenchproperty.com/" title="">Premier French Property</a>.</p><p>How much worse it will get is debatable; as O'Neil notes, there sometimes seem to be as many forecasts for property in France as there are economists. In the end, though, it may depend on which part of France you look at. In the cities where there is strong domestic demand, particularly in Paris and Nice, many argue that 2009 will only see modest falls. "It is likely they will drop a little, but we are not anticipating double-digit falls," says Laurence Boone, an economist in the Paris office of Barclays Capital.</p><p>Boone says the French market is very different from those elsewhere in Europe and as such, may not be hit as badly. Yes, prices in many parts of France have boomed in recent years, doubling in the past decade alone. At the end of the third quarter the average house price outside the Paris area was ?196,000 (£183,500). But they have lagged behind both Britain and Spain.</p><p>Furthermore, the banks have stuck to their policy of prudent lending. A typical French mortgage is for 70% of a property's value, has a term of 15 years at a fixed rate, and banks generally insist that repayments account for no more than a third of the borrower's take-home pay. That means there are unlikely to be repossessions on a level being witnessed in the UK. Finally, without the sort of building boom seen in Spain, there is no question of over-supply in the French market.</p><p>Fnaim suggests prices could drop by 10% over the next year. In some places, though, there could still be a fair deal of pain ahead ? much will depend on the fate of the pound.</p><p>Andrew Sutton bought a villa just outside Villeréal in south-west France in June. Like many others, he took out a mortgage in France and has been hit by sterling's slide ? at the start of last year £1 bought ?1.34; by the end of the year it bought just ?1.04. At the moment, he says, this is making life less comfortable, if bearable, for British owners in the area. The real worry, though, is if the situation continues.</p><p>"My major concern is that this trend goes on to see the pound and euro reach parity," says Sutton. "If that happened it could have quite a serious effect here." For now, the French market is still holding out against a crash, but for many British buyers, at least, there is still some way to go before they are out of the woods.</p><h2>Case study: A Brit abroad </h2>Margot Parker from Ealing recently bought a one-bedroom flat in Paris with her boyfriend Jean-Marc Eskdale. She says a temporary fall in its value doesn't really bother her. They wanted a foot on the French housing ladder since they eventually plan to move there, and were not looking to make a quick profit. "We are in it for the long term," Parker explains.</p><p>The exchange rate, on the other hand, has had a more immediate impact. When the couple started negotiations on their flat, the rate was about ?1.4 to the pound. By the time they completed in August it was ?1.31 and has since slid even further. After just a couple of months it is costing them £150 a month extra on the mortgage.</p><p>Fortunately, the payment is still affordable for them: when they were planning the purchase they checked that they would be OK even if the pound and euro reached parity. "We did it on what we thought was the worst-case scenario," laughs Eskdale.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/buyingpropertyabroad">Buying property abroad</a></li><li><a href="http://www.guardian.co.uk/money/houseprices">House prices</a></li><li><a href="http://www.guardian.co.uk/money/foreigncurrency">Foreign currency</a></li><li><a href="http://www.guardian.co.uk/business/housingmarket">Housing market</a></li><li><a href="http://www.guardian.co.uk/money/property">Property</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231238186064010610441329689"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231238186064010610441329689" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
UK house prices: a regional breakdown
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/95666?ns=guardian&pageName=Money%3A+UK+house+prices%3A+a+regional+breakdown&ch=Money&c3=guardian.co.uk&c4=House+prices+%28Money%29%2CProperty%2CMoney%2CHousing+market+%28Business%29%2CBusiness%2CUK+news&c5=Personal+Finance%2CCredit+Crunch%2CNot+commercially+useful%2CBusiness+Markets%2CProperty+Mortgages+and+Interest+Rates&c6=Hilary+Osborne&c7=2009_01_06&c8=1142606&c9=article&c10=GU&c11=Money&c12=House+prices&c13=&c14=&h2=GU%2FMoney%2FHouse+prices" width="1" height="1" /></div><h2>England</h2><p>House prices fell by 14.8% in England last year, with the last three months of the year seeing a 4.8% decline. Homeowners in East Anglia saw the biggest fall in the value of their homes, with prices dropping by 16.6% over the year to an average of £153,080.</p><p>London and its surrounding regions also took a hammering as affordability pressures and job losses took their toll. Prices in the capital fell by more than 15%, although Nationwide said the falls had not reached the pace of the early 1990s crash when it recorded an annual fall of 16.7%. London remains the most expensive place to buy a home in England with an average price of £257,963, compared to a country-wide average of £171,924.</p><p>Four out of five of the British cities that saw the largest price falls were in England, with Bristol, Bradford, Northampton and Norwich all recording a 17% drop.</p><p>Asked about the prospects for house prices over the next six months, consumers told Nationwide they expected to see falls across England, with the largest drop - 6.2% - expected in the West Midlands. Nationwide's chief economist, Fionnuala Earley, said: "Consumers' views about the direction of house prices generally seem to concur with other macroeconomic data, although the relative magnitude of changes recorded are a little mixed.</p><p>"Within England, London and the south-east might expect to be affected badly due to the combination of an employment shake-out in the financial sector and stretched affordability relative to other regions."</p><h2>Northern Ireland</h2><p>After two years of massive growth, a correction in Northern Ireland was on the cards in 2008, and it came when prices dropped by a staggering 34.2% over the year, according to Nationwide.</p><p>At the start of the year the average house price in the region was £224,816; by the end of the year it was £147,833. Perhaps unsurprisingly Belfast is top of the list of biggest fallers, recording a 33% drop over the last 12 months. However, houses in the city are still much more expensive than the rest of Northern Ireland - and the UK as a whole - costing an average £203,942.</p><p>Across Northern Ireland the rate of price falls slowed as the year went on, with prices dropping by 7.4% in the last quarter of the year following three quarters of double-digit drops.</p><p>A survey of consumers in Northern Ireland found that while 9% of people expected prices to increase in the next six months, the average expectation was a 6.9% fall in values. Earley said: "Realistically one might expect Northern Ireland to remain the worst affected region in 2009, given the especially severe overshoot of house prices relative to earnings in the province during the boom years."</p><h2>Scotland</h2><p>Of all the UK regions Scotland saw the smallest fall in house prices last year with a decline of 8.1%, according to Nationwide. During the final quarter of the year prices actually rose, albeit it by just 0.1%, making it the only UK region to see a rise in prices last year. The average price of a home in Scotland is now £138,941, compared with £151,178 at the end of 2007.</p><p>Of the three main cities in Scotland, Aberdeen saw the largest annual fall of 11%, closely followed by Glasgow at 10%. In Edinburgh, where prices are highest, values fell by just 6%. For the second quarter running the largest year-on-year fall was in Renfrewshire and Inverclyde where prices were down by 15%.</p><p>Nationwide's consumer survey found Scotland was the most optimistic part of the UK with 11% of people believing prices will increase in the next six months. It was the only part of the UK where fewer than half of those questioned said they expected prices to fall.</p><h2>Wales</h2><p>Across Wales house prices fell by 12.1% in 2008, reducing the average price of a home to £136,174, according to Nationwide. In the last quarter of the year prices dropped by 2.4%, less than the 4.4% fall seen across the UK as a whole. Prices have fallen in every region of Wales, but some have been harder hit than others. In the south-east Nationwide said prices were down by 20% at the end of the year, while in the north and south-west falls were below 10%.</p><p>Despite a 10% decline in prices over the year, Cardiff remains the most expensive place to buy with an average price of £188,089. The cheapest area is south Wales (east) where the average house price has fallen to £141,654.</p><p>Consumers questioned by Nationwide said they expected prices to fall by an average of 6.3% over the next six months. The society said: "A continued fall in prices in Wales seems likely given economic conditions. Business surveys suggest a sharp reduction in the private sector workforce in Wales as output has fallen. However, the larger proportion of public sector employment in Wales is likely to protect it somewhat and help support the housing market relative to other regions."</p><h2>Top city fallers</h2><p>Belfast: prices down 33% on Q4 of 2007 to £203,942</p><p>Bristol: Prices down 17% to £199,587</p><p>Bradford: prices down 17% to £144,881</p><p>Northampton: prices down 17% to £156,425</p><p>Norwich: prices down 17% to £169,898</p><h2>Lowest city fallers</h2><p>Durham: prices down 4% on Q4 of 2007 to £147,188</p><p>Edinburgh: prices down 6% to £241,617</p><p>Leicester: prices down 7% to £154,787</p><p>Birmingham: prices down 9% to £164,939</p><p>Newcastle: prices down 9% to £162,863</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/houseprices">House prices</a></li><li><a href="http://www.guardian.co.uk/money/property">Property</a></li><li><a href="http://www.guardian.co.uk/business/housingmarket">Housing market</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231238186092010610441329689"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231238186092010610441329689" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
House prices fall by 16% year-on-year
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/73580?ns=guardian&pageName=Money%3A+House+prices+fall+by+16%25+in+2008&ch=Money&c3=guardian.co.uk&c4=House+prices+%28Money%29%2CProperty%2CMoney%2CHousing+market+%28Business%29%2CBusiness%2CUK+news&c5=Personal+Finance%2CCredit+Crunch%2CNot+commercially+useful%2CBusiness+Markets%2CProperty+Mortgages+and+Interest+Rates&c6=Hilary+Osborne&c7=2009_01_06&c8=1142568&c9=article&c10=GU&c11=Money&c12=House+prices&c13=&c14=&h2=GU%2FMoney%2FHouse+prices" width="1" height="1" /></div><p>House prices fell by 15.9% in 2008, Nationwide said today - the biggest annual drop since the society began publishing its index in 1991.</p><p>December saw a 2.5% fall in prices - the second biggest monthly fall of the year after May, when prices were down 2.6%. The drop follows a 0.4% fall in November, which seemed to suggest the rate of decline was easing.</p><p>The snapshot of house prices from the UK's biggest building society showed that by the end of last year the average price of a UK home had fallen by £29,000 to £153,048.</p><p>Nationwide's figures are broadly in line with those <a href="http://www.guardian.co.uk/business/2009/jan/02/halifax-house-prices">published last week by the UK's largest lender, Halifax</a>.</p><p>It reported that prices had dropped by 16.2% over the course of last year, with a 2.2% fall in December alone. Its index put the average price of a home at the close of last year at £159,900 - 20% below its peak in the summer of 2007.</p><p>Nationwide's chief economist, Fionnuala Earley, said 2008 had been a "year of turmoil" in the UK housing market. </p><p>"The disruption in the financial markets worsened throughout 2008 and had larger implications for the real economy than we anticipated a year ago. </p><p>"This time last year we expected the housing market to cool quickly as affordability was poor and economic conditions looked set to weaken, but we did not anticipate the speed of house price falls or the extent of the global and domestic economic slowdown."</p><p>Last month, the society said it would be <a href="http://www.guardian.co.uk/money/2008/dec/19/nationwide-halifax-house-price-predictions">ditching its annual forecast for house prices</a> as a result of the uncertain economic outlook.</p><p>Earley today reiterated that position, saying volatile conditions made it more difficult than usual to estimate what would happen to the market over the coming year.</p><p>"In these unsettled times a forecast subject to frequent change could itself add to greater uncertainty," she said.</p><p>However, she said that tighter lending conditions and the fact that homes remained unaffordable for some people suggested prices would have to fall further before significant numbers of buyers returned to the market. </p><p>"In terms of house price expectations, current sentiment of borrowers and lenders is still fairly low," she said.</p><p>"Until the economy and the labour market stabilise, it is hard to imagine households becoming upbeat about the immediate future for house prices and this will hinder the pace of recovery."</p><h2>Looking ahead</h2><p>Nationwide said prices had fallen in all regions of the UK during 2008, although the rate of decline varied hugely. While Northern Ireland recorded a 34% drop in prices, the Scottish market dropped by just 8%.</p><p>In England the largest fall was in East Anglia, where prices were down by 16.6%, followed by London and the south-east where prices dropped by more than 15%. The smallest drop was in the north of the country, where prices were down 11% year-on-year.</p><p>Howard Archer, chief UK economist at IHS Global Insight, said the figures completed "a dismal year" for the housing market. </p><p>He predicts that prices will fall by a further 15% this year, taking the average to £130,091 on Nationwide's measure, and said the data increased the likelihood of further large interest rate cuts. </p><p>"The ongoing deep problems of the housing market maintains pressure on the Bank of England to deliver another deep interest rate cut on Thursday, although mortgage lenders are likely to be increasingly unwilling to pass on much of any further interest rate cuts," he said.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/houseprices">House prices</a></li><li><a href="http://www.guardian.co.uk/money/property">Property</a></li><li><a href="http://www.guardian.co.uk/business/housingmarket">Housing market</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231238186119010610441329689"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231238186119010610441329689" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Polly Toynbee: It might sound appealing, but this is populist poison
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/47096?ns=guardian&pageName=Comment+is+free%3A+It+might+sound+appealing%2C+but+this+is+populist+poison&ch=Comment+is+free&c3=The+Guardian&c4=David+Cameron%2CConservatives%2CEconomic+policy%2CPolitics%2CEconomics+%28Business%29%2CRecession+%28UK%29%2CCredit+crunch+%28Business%29%2CSaving+money+%28Money%29%2CTax+%28Money%29%2CTax+and+spending%2CMoney%2CBusiness%2CUK+news&c5=Personal+Finance%2CCredit+Crunch%2CBusiness+Markets%2CNot+commercially+useful&c6=Polly+Toynbee&c7=2009_01_06&c8=1142531&c9=article&c10=GU&c11=Comment+is+free&c12=blog&c13=&c14=Comment+is+free&h2=GU%2FComment+is+free%2Fblog%2FComment+is+free" width="1" height="1" /></div><p>The ideological gap just yawned yet wider as David Cameron sprang into the New Year with tigerish ferocity. The longer Labour is in power, he said, the worse it gets - for the economy, national debt, crime, education, welfare dependency, the health service and family breakdown; all worse, worse, worse. Broken Britain needs an election now when "change is going to come". But president-elect Barack Obama, Cameron is certainly not. As the new president plans a trillion-dollar Keynesian stimulus in the United States economy, Cameron retreats into Thatcher's 1980s. Every time he speaks, he climbs deeper into the recesses of her handbag economics, preaching thrift and a bonfire of public spending.</p><p>He is right that this year things can only get much worse: every economic commentator says so. Any government seeking re-election after a year like 2009 with three million unemployed and gaping black holes in high street shopfronts can expect an uphill struggle. On the face of it, Cameron should walk it with constant finger-pointing - who was at the wheel when the economy crashed? Revenge is a strong voting motive. Superficially, he has all the best lines. The question is whether his phoney economics fool enough of the people enough of the time. </p><p>Yesterday's speech extolled the moral case for saving and thrift, "where government and citizens live within their means, save for a rainy day, waste not, want not". How well that chimes with the current mood, in which the worried rein in spending and even the comfortable indulge in frugality chic. It chimes with the bishops' call for less shopping and more praying. It chimes with commonsense instinct: in hard times pull in your horns, don't borrow, don't spend; hide under the duvet until it's all over. So when Cameron ratchets up the rhetoric by calling the VAT cut "an absolutely criminal waste of public money", plenty of voters will nod in agreement. Labour's &pound;12.5bn cash splurge did feel odd. When Cameron claims: "We are in this mess because of too much government debt", it sounds plausible. When he offers &pound;5bn in tax cuts for penny-wise savers by taking money out of current spending to salt away in savings accounts, that too may seem like prudent policy. All this goes with the grain of human instinct - and Labour has yet to find resonant language to challenge it.</p><p>Cameron's plan for retrenchment is economically illiterate, and would be frighteningly dangerous if he were in power. But it's hard to explain why thrift is not the answer in a punchy political message. Keynesianism is counter-intuitive: he wrote himself about the problem of the "thrift paradox" - persuading people and governments to spend, lend and invest at a time when every fibre of their being urges slamming on the brakes. But let's examine why the Cameron prescription is part populism, part poison and part snake-oil: since he's not stupid, presumably he knows it. </p><p>Take his plan for a loan guarantee to let banks lend again with the state as guarantor. It sounds good - indeed, the government has already said it will do the same, responding to the Crosby report. Cameron's deceit, in his eagerness to cut borrowing, is to pretend he can do it cost-free by raising interest rates enough to cover any losses from failed loans. Nonsense, say those working on the scheme. To make it self-financing, he would have to raise the loan interest rates to many times their present rate, and no one would want them. Guaranteeing loans, some of which would fail, costs some &pound;2bn - but in Cameron's fantasy economics he pretends he can both fix this crisis and cut spending.</p><p>Take his key claim that Britain's debt "puts us in a much weaker position than other countries". Is that true? Ask the independent Institute for Fiscal Studies - by no means always a friend of Gordon Brown's previous economic policies - and here's their verdict: of the G7 richest nations, only Canada has a lower stock of debt than the UK. The US, France, Germany, Japan and Italy have even higher debts than the sizeable 57% of gross domestic product Labour now plans. Compared with all the leading economies, the UK is still only in the middle of the debt table. So yes, we can well afford to borrow more to avoid the worst of this year's cataclysm - and that is the right thing to do. What of Cameron's plan? To make a sudden &pound;5bn cut in spending this April is an anti-stimulus at a time when money needs to be spent. The Institute for Fiscal Studies warns that the only way to cut quickly is to axe whatever is easiest with random destruction, without rational planning. </p><p>Was the VAT cut "a criminal waste"? The IFS says it was the best way to get money out there fast. What of Cameron's plan to encourage saving with tax cuts? Not a bad idea, but absolutely not in the depth of recession. For years the IFS has criticised Brown for adding to national debt by failing to raise enough tax to cover his higher spending in the good years. Now, the IFS's Carl Emmerson says: "But even if he had, that slight cushion would no way have insulated us from this crisis." </p><p>Cameron's proposed cuts in public services would be disastrous in a year like this. He would ring-fence only NHS, schools and defence spending, while from April he would cut planned spending on everything else. But how could he cut Department for Work and Pensions funds as unemployment claimants soar? Why cut the big rise in apprenticeships, just as the young are leaving school to sign on? How do you create jobs if all infrastructure is cut back? (His high-speed rail would take years to set up - and it needs state funds.) During the last Tory government, average capital spending was just 0.6% - while Labour has spent more than 2%, the price of repairing 20 years of public squalor. Labour's plan to bring forward &pound;10bn of capital spending to create 100,000 jobs is a vital necessity.</p><p>Labour relies on real economics winning over the plausible lie in the long run. After all, the Confederation of British Industry, the International Monetary Fund and Organisation for Economic Co-operation and Development all urge Keynesian policies, with Barack Obama leading the way. Labour's serious problem is that no one will ever be able to prove whether what they did worked: if the recession is less deep, were these debts really necessary? Economists will argue for years, but nobody will ever know how much worse things might have been, had Cameron been in power.</p><p><a href="mailto:polly.toynbee@guardian.co.uk">polly.toynbee@guardian.co.uk</a></p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/politics/davidcameron">David Cameron</a></li><li><a href="http://www.guardian.co.uk/politics/conservatives">Conservatives</a></li><li><a href="http://www.guardian.co.uk/politics/economy">Economic policy</a></li><li><a href="http://www.guardian.co.uk/business/economics">Economics</a></li><li><a href="http://www.guardian.co.uk/business/recession">Recession</a></li><li><a href="http://www.guardian.co.uk/business/creditcrunch">Credit crunch</a></li><li><a href="http://www.guardian.co.uk/money/saving-money">Saving money</a></li><li><a href="http://www.guardian.co.uk/money/tax">Tax</a></li><li><a href="http://www.guardian.co.uk/politics/taxandspending">Tax and spending</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Commentisfree&country=usa&spacedesc=rss&system=rss&transactionID=1231238186163010610441329689"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Commentisfree&country=usa&spacedesc=rss&system=rss&transactionID=1231238186163010610441329689" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Cameron offers savings tax cut plus clamp on public spending
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/69509?ns=guardian&pageName=Politics%3A+Cameron+offers+savings+tax+cut+plus+clamp+on+public+spending&ch=Politics&c3=The+Guardian&c4=David+Cameron%2CConservatives%2CEconomic+policy%2CGordon+Brown%2CTax+and+spending%2CPolitics%2CCredit+crunch+%28Business%29%2CSmall+business+%28Business%29%2CBanking+%28Business%29%2CRecession+%28UK%29%2CBusiness%2CBanks+and+building+societies%2CSavings+%28Money%29%2CIncome+tax%2CTax+%28Money%29%2CMoney%2CUK+news%2CPublic+services+policy+%28Society%29%2CPublic+finance+%28Society%29%2CSociety&c5=Society+Weekly%2CUnclassified%2CPersonal+Finance%2CInvestments%2CCredit+Crunch%2CPolicy+Society%2CBusiness+Markets%2CNot+commercially+useful&c6=Patrick+Wintour&c7=2009_01_06&c8=1142525&c9=article&c10=GU&c11=Politics&c12=David+Cameron&c13=&c14=&h2=GU%2FPolitics%2FDavid+Cameron" width="1" height="1" /></div><p> David Cameron took the side of savers hit by tumbling interest rates yesterday and promised to abolish tax on the savings income of all basic-rate taxpayers. He also promised to lift personal allowances for pensioners by &pound;2,000 a year. </p><p>Pounded by Labour charges of offering a do-nothing approach to the crisis, the Tory leader said that he wanted to help the "innocent victims" of the recession.</p><p>Cameron also toughened his approach to public spending, by proposing for the first time that its growth in the financial year 2009-10 be cut from 3.4% to 2.6%, saving &pound;5bn. Setting out a plan for Conservative government, he said spending on schools, health, defence and international development would be maintained at Labour's planned levels, meaning projected spending in other departments could grow only 1% in real terms, instead of the 4.1% planned by Labour. Cameron said he did not think 1% unreasonable. </p><p> But his move imposes tight constraints on departments such as the Home Office, Ministry of Justice, business department, and communities department. George Osborne, the shadow chancellor, pointed out that public spending would still be rising by &pound;25bn under the Tory regime, as opposed to &pound;30bn, leading Tory rightwingers to claim that Cameron was not doing enough to break with Labour spending or borrowing. </p><p>The chief secretary to the Treasury, Yvette Cooper, said it was "economic madness" to slow public spending - the Conservatives were isolated internationally, she claimed. Downing Street was last night pointing to reports that Germany is planning a &pound;50bn fiscal stimulus.</p><p>But Cameron is increasingly bold in advocating tighter spending, and has already proposed a lower level than the government plan for 2010-11. The country, he said, was facing a "catastrophic legacy of debt and disrepair"; he sometimes wanted to shake Gordon Brown, he said, to get him to understand his errors.</p><p>Cameron put his proposals in the context of a wider claim about the need for an economy that is more balanced, and not so tilted towards housing, the public sector and financial services. </p><p>He published reports on creating green technology incubators, and buidling the world's first trading market for environmental companies. He also revealed a review into how to give every home ultra-fast broadband within a decade. Brown is proposing a green and digital infrastructure renewal programme this spring.</p><p>The Tory leader's move came ahead of Thursday's meeting of the Bank of England monetary policy committee, expected to cut interest rates to possibly 1%, the lowest since the Bank's formation in 1694. A cut from the current 2% would further damage the interests of savers when savings are at their lowest for 50 years. </p><p>Cameron said: "We need to make a really big change in Britain from an economy built on debt to an economy built on savings. A culture of thrift at the heart of government and a culture of saving at the heart of our economy - these changes will provide strong foundations for the new economy we plan to build."</p><p>Privately, the Tories accept that the cost, and therefore the impact, of abolishing tax on savings for basic-rate taxpayers - &pound;2.6bn - may be too high, since it is based on estimates made at a time when interest rates were much higher.</p><p>The proposal to lift tax on savings income would, the Conservatives say, simplify the tax system, since banks would no longer have to withhold 20% of interest income at source, and people on low incomes who currently do not pay tax at 20% would no longer be forced to apply for their money back.</p><p>In practice, a third of savers already have their savings in tax-free Isas, and yesterday's initiative by the Tories may prompt Brown (planning a tour of English regions starting tomorrow) to raise the maximum amount of income that can be invested in an Isa tax-free, currently &pound;7,200. </p><p>The Tories denied that helping savers would take money out of the economy. They argued that advisers to the Obama administration are suggesting that tax cuts are three times as effective at raising growth as spending increases.</p><p>More broadly, Cameron insisted he was optimistic that his policy package was winning converts: the government's 2.5% VAT cut in December had been "a criminal waste" of &pound;12.5bn of taxpayers' money, saying the government might as well have burnt the cash.</p><p>Cameron also repeated his call for a government insurance scheme to back banks lending to customers and businesses. The Treasury is looking at a similar scheme, but the government will be determined to present any proposal as sharply different to the Conservatives' socialisation of credit.</p><h2>Parties' policies</h2><p><strong>Labour plans</strong></p><p>? Cut VAT by 2.5%at cost of &pound;11bn to stimulate demand.</p><p>? Consider second round of help for banks following &pound;50bn recapitalisation, but put the idea of more government cash for banks on the back burner.</p><p>? Create 100,000 jobs by advancing extra capital investment directed at green jobs and school building.</p><p>? Publish interim report on digital Britain.</p><p>? Encourage ailing firms to switch staff to part-time work and allow staff to train for remainder of time.</p><p>? Consider bringing forward extension of school leaving age. </p><p>? Allow mortgage holders in difficulty to have a two-year interest rate holiday.</p><p>? Consider help for savers in March budget.</p><p><strong>Tory plans </strong></p><p>? &pound;50bn national loan guarantee scheme to help free up credit for business. Focused on short-term credit lines, overdrafts and trade credit - the lifelines all businesses need to keep afloat. </p><p>? &pound;3bn tax breaks to reward companies who take on new staff. </p><p>? Small businesses to enjoy six-month VAT holiday. </p><p>? An environmental stockmarket, where green companies are listed and traded.</p><p>? No tax to be paid on savers' incomes for basic rate taxpayers. Help 5 million taxpaying pensioners by increasing personal allowances. </p><p>? Commission report on how UK households will have access to high-speed broadband internet within next 10 years.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/politics/davidcameron">David Cameron</a></li><li><a href="http://www.guardian.co.uk/politics/conservatives">Conservatives</a></li><li><a href="http://www.guardian.co.uk/politics/economy">Economic policy</a></li><li><a href="http://www.guardian.co.uk/politics/gordon-brown">Gordon Brown&l