Energy for the Future

                                                                                                                        November 2008

     I know all of you are worried about the future and how this crazy financial crisis will affect you. So far, I have not felt a huge impact like some have, but I am sure it will trickle down and hit me in my wallet sometime soon. It's nice to see the price of gas down in the $2.65 a gallon range, but I'm positive that is only a temporary thing. As you can see from the "average" line in the graph below that the price never goes down. And funny things seem to happen to the price of gas just before an election...

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     OPEC is walking a thin line between wanting to squeeze us out of every penny they can while at the same time knowing that they can do serious damage to the world economy if they raise the price or cut production too much. They are meeting as I write this newsletter, but it looks like they are going to cut production yet again.

     So... what can you do now to prepare yourself for the sure to come financial/energy storm? And... why do I call it a financial/energy storm? Because I believe energy costs are at the root of all these financial problems. Peak Oil and high energy costs are making everything more expensive. When "everything" gets more expensive, guess what?... people can't afford to pay their mortgages, car loans, and credit card bills anymore. If you listen to some of these foreclosure sad stories on TV, you'll hear them say... "all my bills went up - health insurance, electricity, gasoline, cable, phone, etc. I couldn't afford to pay my mortgage anymore!"  Some of these people probably shouldn't have been given a home loan to start with. Especially an Adjustable Rate Mortgage (ARM). But what's done is done.

Anyhow, here's some problems I predict in our near future...

Also... don't forget about the state and government assistance!...





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