Debt-Proof Your Christmas: Celebrating the Holidays without by Mary Hunt

By Mary Hunt

Christmas could be the so much excellent time of the 12 months, yet it's additionally essentially the most stressful--and costliest. expectancies run excessive and it's tempting to whip out the charge cards to create the correct Christmas in your kin, with lavish foodstuff, new undefined, and the newest, maximum devices and models for everybody in your Christmas present record. yet you don't need to overspend or cross into debt to have a superb holiday.

Financial professional Mary Hunt exhibits readers how. She is helping readers examine their monetary state of affairs, decide to no new debt, and imagine creatively approximately their reward record. With Mary's tips, readers will determine what has brought on them to overspend long ago and method this Christmas with a plan and a brand new angle towards vacation spending. This simply could be the simplest present you could supply your self and your loved ones. This booklet is an up-to-date version of Debt-Proof the Holidays.

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The historical record is horrendous, starting with eleventh-century Sung Dynasty China, where fiat paper money was invented. Northern invaders threatened, the Dynasty printed more paper money to finance the defense, and the money became worthless. Today’s populist-addled governments with quantitative easing of various stripes are doing exactly that. In the past, it was mainly wars that brought about this need for default by inflation and excess printing of fiat paper money. Today, the cumulative demands of populism and declining birthrates are the culprits.

Complicating all this is the coming demographic revolution in virtually all advanced countries. Birthrates have plummeted everywhere. Worker/entitlement recipient ratios are going south and that just exacerbates the fiscal problem. Is the birth dearth, as it has been called, a product of democracy and populism? Although I don’t want to push this too far, I would argue yes. In days prior, children were the average family’s social security program. Today, the state in part provides old-age security, thus replacing a family’s own children.

And so governments gradually assumed direct responsibility for the workings of the market economy and the business cycle and implicitly socialized risk. The classical gold standard was abandoned and replaced by modern central banking, fiat money, and management of macroeconomic policy. 1914—the year of the outbreak of WWI and the creation of the American Federal Reserve—was a major turning point. Later would come deposit insurance, various versions of social security and socialized medicine, Fannie Mae and Freddie Mac, too big to fail, stimulus programs, QE1, QE2, QE3, and more.

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