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Banks and lenders should be making all kinds of loans right now on real property and real estate. After all, the best time to buy a piece of property is at the bottom of the market when they are being sold too cheaply in distressed sales. If the bank lends money on such a piece of property, and it appreciates, even if the consumer or the borrower fails to pay, the bank owns an asset that is worth well above the original purchasing price; the exact opposite scenario of what hurt the banks so badly during the economic crash.

Unfortunately, due to new restrictions and banking rules, real estate lenders have to have more money on hand, and thus, are unable to lend out money right now when they should due to liquidity rules. The Risk Reward scenarios and valuations are completely out of whack, with the banks operational lending criteria. Of course, the banks are not looking at the consumer; they're looking at their own books, and afraid to make any risks right now.

Many banks are also highly exposed to commercial loans that they've made and commercial real estate is not out of the woods yet, and some say that crap is getting ready to hit the proverbial fan as we speak. This is all well known to economic analysts, bankers, and those in the real estate profession.

But what about consumer credit, revolving credit, credit cards, car loans, cash advances, and home equity lines of credit? Why are all these Consumer lenders being so sketchy? Because, they also have new rules, and this jobless recovery is continuing to shed jobs, even as the stock market points towards an expansion period, which has already started.

You would think that if the economy is now getting better that consumer credit would be loosened, as in the very near future credit defaults by consumers will go down drastically. Of course, right now everyone is playing it safe, so safe in fact, they may prevent the strong recovery that everyone is hoping for. Please consider all this.

Hard-working single mothers have found spectacular family cruise deals to reward themselves and their children struggle through very difficult times.

Hard work, determination and a lot of imagination ...
The New Depression has produced a new breed of entrepreneurs building young single mothers, their own businesses with their minds, skills and hard work. When she graduated from college, the New Age entrepreneur has no place in the business world, too manywell-qualified people competed for too few well-paying jobs. Old Habits Die Hard, and people generally dominated the competition. New Age entrepreneurs do not despair, but she analyzes the markets and found their niches. They sacrificed to be invested, and let a company dedicated to customer at a time. With much help from their friends, they need their young children in balance with the demands of their careers, and they worked day and night and day, relentlessly drivingthemselves and their businesses.

For the first time since the Second World War, women dominate the American workforce. They also dominate American universities, out-numbering men about five-to-one. The best thing is the young entrepreneurs have closed the gap resulted. Several years ago, women earned 64 ¢ for every dollar a man earned in 2008 increased women's wages to 89 ¢ for every dollar men. Experts assume wage equality will come very soon.

As the economy improves and youngentrepreneurs' persistence pays off, hard-working moms are acknowledging the price their children have paid for their perseverance, and they are arranging to reward themselves and their children for surviving the hardest of hard times. Not surprisingly, Disney family cruises rank very high on young entrepreneurs' lists of best family rewards, and they are finding all kinds of amazing family cruise deals from Disney Cruise Lines and their many certified travel partners.

Family cruise Offers are your economic stimulus.
Business analysts report entrepreneurs drive hard bargains, negotiate aggressively and diplomatically, then their male counterparts, and align themselves with more confidence and finesse than the "Good Old Boys" had ever done. Expect to find all these skills to them for the family cruise deals, high-power women are entrepreneurs and their Disney travel partners have taken out all the harshness of the negotiations. Cruise deals family haveOcean Travel wonderfully made affordable for all working families. Planning, forecasting and managing their budgets to find qualified mothers they can afford luxury cruises Disney, if they are only $ 3 per day to save for three quarters of the year. In other words, if they can brew their own crossbar and Brown-bag your lunch, she and the kids cruising in style. No company can argue analysts with this type of tax responsibility.