Newsgroup: it.economia.borsa
Titolo: La grande R, timidi segnali

Bankruptcy Filings on Record Pace 
Bankruptcy filings by consumers and
businesses surged 25% in the second quarter from a year ago -- putting them
on track to surpass the record-breaking year of 1998, when 1.4 million
cases were filed. 
''The figures for the first half of this year are
alarming, if not shocking,'' says Samuel Gerdano, executive director of the
American Bankruptcy Institute, a non-profit, non-partisan educational
group. 
During the 3 months ended June 30, bankruptcy filings increased
to 400,394, according to data from the Administrative Office of the U.S.
Courts. 
Chapter 7 bankruptcy filings jumped 30% in the period,
accounting for 293,228 of the new filings. Chapter 7 is the most popular
form of personal bankruptcy, in which most unsecured debts are wiped out.
Experts believe some of the increase may be because of fears that Congress
soon will enact legislation that will make it much harder to file for
Chapter 7 bankruptcy. 
Supporters of the effort to reform the bankruptcy
code say that it is necessary to curb abuse of the system by people who use
bankruptcy to get out of paying bills they could actually afford to repay.
But critics say most people who file for bankruptcy are in legitimate need
of relief -- often overwhelmed by debts that stem from job loss, divorce or
a medical emergency. 
The House and Senate already have passed separate
bankruptcy reform bills, but they must still go to a conference committee
to reconcile their differences. 
Committee members are expected to begin
working on a compromise when Congress returns in September. The legislation
is scheduled to take effect 6 months after it is enacted. 
The increase
in business bankruptcies also is taking a financial toll on families. ''If
a company liquidates, then people lose jobs,'' Gerdano says. Many don't
have a financial cushion. 
In fact, the total debt-to-income ratio for
U.S. consumers has increased steadily over the past two decades. In 1981,
each U.S. adult had, on average, 1.14 times as much debt as income,
according to SMR Research in Hackettstown, N.J. By 2000, debt had ballooned
so that each adult had 1.63 times as much debt as income. 
As the
economy softens, and layoffs increase, more families will be living on the
financial edge. SMR calculates that 43.7 million U.S. households have less
than $1,000 in liquid assets and 16.3 million households have zero or
negative net worth. 
''Part of the economic boom of the 1990s was that
people were spending and acquiring things and not saving,'' Gerdano says.
''Most people are just a handful of paychecks away from needing to
seriously think about seeking bankruptcy relief.''
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 income.
Pesantissimo sapevo che il settore privato americano nel suo insieme era
indebitato al 120% del Pil ,ma se i consumatori che stanno alla base della
piramide alimentare economico-finanzaria sono ridotti così male altro che
ripresa nel 2002 (forse Samuelson si è confuso uno 0 con un 2 intendeva
parlare del 2022 ?)
Questa "Banana" sarà molto lunga e sarà uno stillicidio

 ha
scritto: 
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così
giusto per rincarare riporto la reuters:
Dotcom, 367 fallimenti Usa
da inizio 2001
LOS ANGELES, 29 agosto (Reuters) - Nel solo mese di
luglio sono fallite in Usa 32 dotcom, portando a 367 il totale dei primi
sette mesi 2001 e 592 quello calcolato da inizio 2000. 
I dati sono di
Webmergers.com, marchio di San Francisco specializzato nel
Merger&Acquisitions di societa' Internet che proprio per questo fa un
monitoraggio dei fallimenti del settore. 
E' di stanotte, tra l'altro,
la notizia di un'altra "cessata attivita'" web: si tratta di Save.com,
partita nel 1999 con l'ambizioso obiettivo di conquistare utenti proponendo
un modo di "autostamparsi" in casa a pagamento buoni da spendere nei
negozi./MLC 
PS: e pensare che proprio oggi è una giornata buona
per speculare sulle semestrali delle NM italiane.
WOWWWWW
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 proponendo un modo di "autostamparsi" in casa a pagamento buoni da >
spendere nei negozi./MLC
a quando la prossima 
dot.com
 che permetterà di stamparsi le banconote in
casa?