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	<title>Improvementology.com &#124; The Science of Self Improvement &#187; Search Results  &#187;  advanced</title>
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		<title>Hypnotherapy Training Courses In Hertfordshire</title>
		<link>http://improvementology.com/?p=328</link>
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		<pubDate>Sun, 20 Jun 2010 15:13:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Success and Acheivement]]></category>
		<category><![CDATA[courses]]></category>
		<category><![CDATA[Hertfordshire]]></category>
		<category><![CDATA[Hypnotherapy]]></category>
		<category><![CDATA[Training]]></category>

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		<description><![CDATA[Train to be a successful fully Qualified Hypnotherapist in just 3 weeks with People Building. Our training programmes are simple, fast and great fun.
&#13;The unique structure of our Hypnotherapy courses in Hertfordshire makes a flexible and practically based training programme in Hypnosis and its ethical application.
&#13;Practical sessions are an essential part of People Building&#8217;s training [...]]]></description>
			<content:encoded><![CDATA[<p>Train to be a successful fully Qualified Hypnotherapist in just 3 weeks with People Building. Our training programmes are simple, fast and great fun.</p>
<p>&#13;The unique structure of our Hypnotherapy courses in Hertfordshire makes a flexible and practically based training programme in Hypnosis and its ethical application.</p>
<p>&#13;Practical sessions are an essential part of People Building&#8217;s training courses. The hypnosis techniques taught will be demonstrated on members of the class, then delegates will be required to practice on each other throughout the course.</p>
<p>&#13;This is to give you experience and confidence of working with both receptive and resistant subjects.</p>
<p>&#13;Theoretical information is presented in a modern and easily assimilated format, making our hypnosis course both stimulating and highly informative.</p>
<p>&#13;Using the powerful tools and advanced hypnotherapy techniques we teach, you too can soon be treating members of the public desperately seeking help with or relief from many psychosomatic and emotional conditions.</p>
<p>&#13;However, if you are just thinking about hypnotherapy as a career, wish to add hypnosis to your current skills or for your own personal interest and you don&#8217;t want to invest time and money in a year long diploma at this stage, then you might want to consider to train with People Building in Hertfordshire.</p>
<p>&#13;Theoretical information is presented in a modern and easily assimilated format, making our hypnosis course both stimulating and highly informative.</p>
<p>&#13;Since our hypnotherapy course and hypnosis courses in Hertfordshire have developed we have gone from strength to strength.</p>
<p>&#13;Contrary to popular belief, hypnosis is not a state of deep sleep. It does involve the induction of a trance-like condition, but when in it, the patient is actually in an enhanced state of awareness, concentrating entirely on the hypnotist&#8217;s voice. In this state, the conscious mind is suppressed and the subconscious mind is revealed.</p>
<p>&#13;The therapist is able to suggest ideas, concepts and lifestyle adaptations to the patient, the seeds of which become firmly planted. The practice of promoting healing or positive development in any way is known as hypnotherapy. Hypnotherapy aims to re-programme patterns of behaviour within the mind, enabling irrational fears, phobias, negative thoughts and suppressed emotions to be overcome. The aim of People Building is to train would be hypnotherapy practitioners to deal professionally, safely, confidently and effectively with the enormous variety of psychosomatic, psychological and emotional conditions clients may come to see you for different reasons.</p>
<p>&#13;Everyone is different, so we treat you differently, so if you want to be as good as can be and as good as we want you to be, then our courses in Hertfordshire teaches small groups with one expert teacher and coaches to give you the opportunity for you to learn our methods effectively, fast, enjoyable and great fun. Each course has a structure, a structure based around your needs, you will learn to be flexible, expert and confident, able to deal with all events. Our training at People Building Hertfordshire brings out the best in you. Hypnosis relies not only on knowledge or experience but on creative talent and imagination. You have this in abundance. By helping you to exhibit your talents and creative imagination you will progress and develop a style in a professional manner. And of Course&#8230;, we will always be accessible to answer questions and give you support.</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p>Welcome to People Building, a self development company dedicated to inspiring growth, progression and better results in your life. It is our privilege to present to you authentic NLP and Hypnosis training at NLP Practitioner Level, NLP Master Practitioner and Hypnotherapy Diploma, for those in Hertfordshire, Bedfordshire, Buckinghamshire and London. We will never cease to evolve, and it gives me great pleasure, to invite you with us on this epic adventure.&#13;<br />
<a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.peoplebuilding.co.uk" title="http://www.peoplebuilding.co.uk" target="_blank">http://www.peoplebuilding.co.uk</a></p>
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		<title>Alternative Healing Courses Leading the Way to Professional Success</title>
		<link>http://improvementology.com/?p=318</link>
		<comments>http://improvementology.com/?p=318#comments</comments>
		<pubDate>Thu, 17 Jun 2010 17:09:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Success and Acheivement]]></category>
		<category><![CDATA[Alternative]]></category>
		<category><![CDATA[courses]]></category>
		<category><![CDATA[Healing]]></category>
		<category><![CDATA[Leading]]></category>
		<category><![CDATA[Professional]]></category>
		<category><![CDATA[Success]]></category>

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		<description><![CDATA[Find Alternative Healing Courses in the United States and Canada. Alternative healing courses are quickly becoming an innovative pathway for students who are seeking an education in the healing arts.  Today, prospective students can enroll in a number of alternative healing courses; including training programs in holistic health, life coaching, alternative health practitioner; hypnotherapy [...]]]></description>
			<content:encoded><![CDATA[<p>Find Alternative Healing Courses in the United States and Canada. Alternative healing courses are quickly becoming an innovative pathway for students who are seeking an education in the healing arts.  Today, prospective students can enroll in a number of <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.holisticjunction.com/categories/HAD/alternative-healing-schools.html">alternative healing courses</a>; including training programs in holistic health, life coaching, alternative health practitioner; hypnotherapy and massage therapy &#8211; to list just a sampling.  </p>
<p>&#13;</p>
<p>Depending on the alternative healing courses in which candidates choose to participate, students can expect comprehensive lessons in natural healing, and how to apply these natural healing methods and knowledge in both personal and professional lives.  Some alternative healing courses may be offered through holistic workshops and other natural health seminars, but in many cases, alternative healing courses are regularly extended through a variety of healing arts schools.  </p>
<p>&#13;</p>
<p>A good indicator of how <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.holisticjunction.com/categories/HAD/alternative-medicine.html">alternative healing courses</a> can positively impact the potential student’s life can clearly be demonstrated in the increasing demand for alternative healthcare.  For example, students who have successfully completed any one of several alternative healing courses in acupuncture and Oriental medicine can go onto lucrative and rewarding careers as acupuncture practitioners. According to the US Department of Labor, professional massage therapists who have wide-ranging experience, and who have completed advanced alternative healing courses can earn up to $32 per hour.  </p>
<p>&#13;</p>
<p>All alternative healing courses are designed for the natural healing practitioner in mind.  Among the diverse choices students have, potential healers can learn natural health systems in Chinese medicine, Reiki, reflexology, chiropractic, naturopathic medicine, complementary medicine, and countless other integrative healing therapies.  With an abundance of options, alternative healing courses can allow for educational opportunities to earn certificates, diplomas, continuing education credits and even degrees.  </p>
<p>&#13;</p>
<p>In any event, if you or someone you know is interested in enrolling in one of several alternative healing courses to help find </p>
<p>&#13;</p>
<p>Find your dream job, let education within fast-growing industries like massage therapy, cosmetology, acupuncture, oriental medicine, Reiki, and others get you started! <b><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.holisticjunction.com/search.cfm">Explore career school programs</a></b> near you.</p>
<p>Alternative Healing Courses Leading the Way to Professional Success<br /><b>© Copyright 2007<br />&#13;</p>
<p>The CollegeBound Network<br />&#13;</p>
<p>All Rights Reserved</b></p>
<p><b>NOTICE:</b> Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box (above) are included; and ALL Hyperlinks REMAIN intact and active.</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><b>Resource Box:</b> CarolAnn Bailey-Lloyd &#8211; Freelance Writer and Web Consultant for HolisticJunction.com, <i>in association with CollegeSurfing.com</i> &#8211; Educational Resources for <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.holisticjunction.com/search.cfm">Healing Arts Schools</a>, <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.holisticjunction.com/categories/HAD/alternative-healing-schools.html">Alternative Healing Courses</a>, and other Natural Healing Schools.</p>
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		<title>Develop Skills to Beat Recession</title>
		<link>http://improvementology.com/?p=290</link>
		<comments>http://improvementology.com/?p=290#comments</comments>
		<pubDate>Tue, 08 Jun 2010 02:10:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Beat]]></category>
		<category><![CDATA[Develop]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[Skills]]></category>

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		<description><![CDATA[Startups have been encouraged to develop skills and not retrench their workforce to overcome the recession.
&#13;
According to an international survey of senior business executives launched today by global business performance consultancy, McKinney Rogers, business leaders believe that putting their faith in developing the skills and abilities of their workforce is the best way to reduce [...]]]></description>
			<content:encoded><![CDATA[<p>Startups have been encouraged to <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.smeweb.com">develop skills</a> and not retrench their workforce to overcome the recession.</p>
<p>&#13;</p>
<p>According to an international survey of senior business executives launched today by global business performance consultancy, McKinney Rogers, business leaders believe that putting their faith in developing the skills and abilities of their workforce is the best way to reduce an organisation’s exposure to the risk of recession,</p>
<p>With recent media attention focusing on the impact of sub-prime lending and the possibility of the current economic downturn turning into a full-blown recession, the survey, which encompassed Europe, Africa, Asia Pacific and the US, was designed to gauge awareness, perceptions and trends on the issue and what can be done to minimise the risk of a recession’s impact on global business.</p>
<p>Key findings emerged when executives and business leaders were asked about the importance of tactical actions in reducing an organisation’s exposure to the risk of recession.</p>
<p>An overwhelming 78% of respondents cited the development of their workforce as the key tool for this, while 73% agree that moving into emerging markets that are unlikely to be affected by recession is also important. </p>
<p>Diversifying the business offering was classed as significant for 67% of those surveyed. </p>
<p>Conversely, reducing the number of employees (34%) and reducing marketing spend (23%) were classed as the least important tactics to pursue in safeguarding against recession. Other initiatives cited in the research were cutting prices to become more competitive (38%) and consolidating business premises and locations (50%).</p>
<p>Commenting on the research, Richard Watts, Regional Partner for Europe at McKinney Rogers at McKinney Rogers said, “It is interesting to see what business leaders focus on when recession is looming – their workforce and diversification.” </p>
<p>Watts went on to say that at times of economic slowdown getting organisational buy-in as a whole is vital, which is why taking a strong leadership approach is such a key part of thriving during these times. Leaders need to instil the ability to re-energise, re-think and re-focus the business, using realistic targets.</p>
<p>“A company’s workforce is an essential tool in the business armoury when the going gets tough. Making productivity a focal point and rewarding those who rise to the top accordingly, will help reduce an organisation’s exposure to the risk of recession,” says Watts</p>
<p><strong>Minimizing exposure to recession </strong></p>
<p>When asked about the importance for businesses to have plans in place to reduce their exposure to the risk of recession, a staggering nine in 10 business leaders agreed that this is now very important. Despite this high figure, a relatively low number (32%) have advanced or very advanced plans in place, indicating that many companies might be caught short in the event of a recession.</p>
<p>Watts says, “these results clearly highlight a real understanding across the business community of the value of forward planning in limiting the damage of a potential recession, as well as the tactical actions that need to be taken to achieve this. However, it is worrying that such a low number of business leaders and organisations have these advanced plans in place.</p>
<p>“Any time, whether a recession is imminent or not, it is vital that businesses have their house in order by having a clear focus and strategy in place, as well as ensuring resources are suitably allocated to provide the best return on investment. That way, when a recession does strike they will be able to stay lean and emerge stronger.”</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p>Gary Howes is Online Editor of Director of Finance Online.<br /><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.dofonline.co.uk">Director of Finance Online&gt;</a></p>
</div>
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		<title>Mark Jennings Abundant Wealth System Review ? How To Create Multiple Streams Of Passive Income Online</title>
		<link>http://improvementology.com/?p=281</link>
		<comments>http://improvementology.com/?p=281#comments</comments>
		<pubDate>Sat, 05 Jun 2010 21:48:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Success and Acheivement]]></category>
		<category><![CDATA[Abundant]]></category>
		<category><![CDATA[Create]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Jennings]]></category>
		<category><![CDATA[Mark]]></category>
		<category><![CDATA[Multiple]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[Passive]]></category>
		<category><![CDATA[Review]]></category>
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		<category><![CDATA[System]]></category>
		<category><![CDATA[Wealth]]></category>

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		<description><![CDATA[The Abundant Wealth System claims that it can help you achieve financial success using the internet. Unlike other wealth building guides online, Mark Jennings the author of the abundant wealth system does not just give you one tactic or strategy to make money online. Instead, he explains and teaches many different ways to produce passive [...]]]></description>
			<content:encoded><![CDATA[<p>The <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.americanchronicle.com/articles/46036"><strong>Abundant Wealth System</strong></a> claims that it can help you achieve financial success using the internet. Unlike other wealth building guides online, Mark Jennings the author of the abundant wealth system does not just give you one tactic or strategy to make money online. Instead, he explains and teaches many different ways to produce passive income online to be able to create multiple streams of passive income.</p>
<p>He also mentioned that to start living the life you are dreaming of, all you need to do is purchase his system and the secrets on how to be successful will be revealed. This system is all about passive Internet income.</p>
<p>When we say passive income that means, money flows in without too much effort. There is no doubt that people can earn a lot of money through the Internet. Jobs in the Internet are everywhere. There is eBay where you can auction your goods, you can even be a graphics designer for an online game like Second Life and still earn money. Google Adwords and Adsense can also help in earning profits.</p>
<p>This is how advanced technology has become, so there is truth to what Mark Jennings claims that the Internet can be a source of multiple income. The only concern is before the income starts coming in to your bank account, more often than not, it involves a lot of hard work.</p>
<p>Building that first income stream can take some work and dedication so what the sales page says about fast money with less effort can be misleading. However, Mark has provided step by step guides that are easy to follow especially for people new to making money on the internet.</p>
<p>There is a 60 day money back guarantee for mark jennings the abundant wealth system so if you are not making money or unhappy with the advice given, you can always ask for a refund within 60 days.</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p>If you want to learn how to make passive income online, check out the <b><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.squidoo.com/abundant-wealth-system-review">abundant wealth system review</a></b>. Learn more about how to create multiple streams of passive income online with the <b><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://abundant-wealth-system-review.weebly.com">abundant wealth system review</a></b>.
</p>
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		<title>Our Second Worst Bear Market: Recession Yes, But How Deep?</title>
		<link>http://improvementology.com/?p=261</link>
		<comments>http://improvementology.com/?p=261#comments</comments>
		<pubDate>Sun, 30 May 2010 08:19:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Bear]]></category>
		<category><![CDATA[Deep]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[Second]]></category>
		<category><![CDATA[Worst]]></category>

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		<description><![CDATA[Global recession is now a given. Australia is also headed for at least a mild recession.The key issue is the depth and duration of the slump.

At the moment, leading indicators for global and Australian growth are still in free fall.

The AMP&#8217;s Dr Shane Oliver says much of this bad news has already been factored into [...]]]></description>
			<content:encoded><![CDATA[<p>Global recession is now a given. Australia is also headed for at least a mild recession.<br />The key issue is the depth and duration of the slump.</p>
<p>
<p>At the moment, leading indicators for global and Australian growth are still in free fall.</p>
<p>
<p>The AMP&#8217;s Dr Shane Oliver says much of this bad news has already been factored into share markets, but as the news remains bleak shares are still under pressure.</p>
<p>
<p>&#8212;&#8212;&#8212;&#8212;&#8211;</p>
<p>
<p>Lehman Brothers’ collapse in September and the resulting panic it set off in global money markets, and more broadly in confidence, has caused immense damage to the global economic outlook.<br />In particular, it would seem that the efforts by the US Government to convince Congress to pass the bank rescue program last month by arguing it is a Main Street problem as well as a Wall Street problem has convinced investors and the wider global population of the seriousness of the situation.</p>
<p>
<p>This has led to a sharp deterioration in economic data recently.</p>
<p>
<p>Recession is now a given in key advanced economies – Japan and Europe have already had two consecutive negative quarters and it is only a matter of time before it is “officially” declared in the US as well.</p>
<p>
<p>Recession is also probable in Australia.</p>
<p>
<p>And the emerging world will be running far enough below potential to qualify as a recession as well (even though growth will still be positive).</p>
<p>
<p>Right now, leading indicators of economic growth are still pointing down and provide no indication of when the slump will end and of how deep it will be. (See the next chart.)</p>
<p>
<p><strong>Not a normal post war slump<br /></strong>The current situation is very different to that going into past post war recessions for several reasons.<br />Normal post war recessions were part of a cycle which saw inflationary pressures build during an economic upturn, interest rates rise, demand slow and inventories rise resulting in a downturn which is ultimately turned around via lower interest rates and after de-stocking has run its course.</p>
<p>
<p>The current cycle has some elements of this and it was made worse by the huge surge in oil and commodity prices into mid year which saw interest rates increased or maintained at higher levels than should have been the case.</p>
<p>
<p>But two considerations make this global slump potentially more serious and hence add to the level of uncertainty.</p>
<p>
<p>Firstly, we are faced with significant systemic risk as the flow of credit has been radically impaired by a severe loss of confidence on the back of the subprime mortgage crisis and subsequent banking problems.</p>
<p>
<p>The resultant pressure to reduce gearing (whether in hedge funds, real estate investment trusts or indebted households) has meant that the current slump has many of the signs of a debt-deflation cycle described by economist Irving Fisher in relation to the Great Depression.</p>
<p>
<p>In a debt deflation spiral: distressed selling of assets leads to wealth destruction, which leads to falling spending which leads to rising unemployment and then more distressed selling of assets (including houses) and more falls in asset prices, etc.</p>
<p>
<p>The UK &amp; US are already in a form of this.</p>
<p>
<p>On top of this most countries are weakening at the same time. For example, back in the early 1990s, the US had a recession in 1990 and then recovered but Japan and Europe did not really succumb till 1992.</p>
<p>
<p>So the synchronisation in the economic downturns in the US, Japan and Europe is now making the global downturn a lot worse. As a result, weighted average growth in the world’s advanced countries is now expected to contract for the first time in the post war period. See the next chart.</p>
<p>
<p>While the emerging world is coming from a higher growth base than was the case going into the early 1980s and early 1990s downturns, momentum here is also fading rapidly.</p>
<p>
<p>As a result, there is greater than normal uncertainty regarding the economic outlook. Our base case would see the global recession last to around mid 2009.</p>
<p>
<p>But given deleveraging and the uncertainties it sets off, a longer and deeper recession stretching into 2010 is possible.</p>
<p>
<p>Rapid government policy &#8211; to stabilise money markets along with fiscal stimulus and lower interest rates &#8211; should head off the deep recession scenario (or a 1930s depression).</p>
<p>
<p>Australia is currently better placed than many countries.</p>
<p>
<p>Our financial system is less impaired, it has more scope for policy easing, growth in its trading partners will likely remain above that in the advanced world and the fall in the $A will provide a boost to domestic production.</p>
<p>
<p>But even in Australia the risks are high given our high levels of household debt and house prices relative to income and Australia’s high reliance on foreign capital.</p>
<p>
<p>Our leading indicator for Australia now points to growth slowing to 0.5% over the next six months and it’s rapidly falling to the levels associated with the early 1990s recession.</p>
<p>
<p>This along with the still deteriorating global outlook, plunging confidence and negative wealth effects indicates Australia will at least have a mild recession at some point in the next year.</p>
<p>
<p>During the last two recessions in Australia, unemployment rose by 5 percentage points and inflation fell by an average 5 percentage points.<br />Inflation will fall sharply as lower commodity prices and the slump in the economy feed through.</p>
<p>
<p>Unemployment is likely to rise to between 7 to 9%.</p>
<p>
<p><strong>What to watch</strong><br />Given the uncertainty regarding the outlook, and specifically the lack of certainty between whether the world is facing a mild or deep recession, we are monitoring a range of signposts.<br />To gain confidence in our base case view that global growth will start to stabilise around the middle of next year and improve thereafter we are looking for:</p>
<p>
<p>• A rapid further decline in short term interest rates relative to long term rates.</p>
<p>
<p>• More global rate cuts and more fiscal stimulus quickly.</p>
<p>
<p>• A slowing rate of decline in US house prices.</p>
<p>
<p>• US consumer spending to slow but not collapse.</p>
<p>
<p>• A stabilisation in consumer confidence in key countries.</p>
<p>
<p>• A modest pick-up in corporate defaults.</p>
<p>
<p>• An easing in bank lending standards.</p>
<p>
<p>• A further improvement in money markets.</p>
<p>
<p>• A fall in private sector borrowing rates.</p>
<p>
<p>• An improvement in broad money supply measures relative to the monetary base, indicating monetary easing is getting traction.</p>
<p>
<p>• A stabilisation in global trade indicators.</p>
<p>
<p>• A stabilisation/improvement in China’s growth.</p>
<p>
<p>• Weekly auction clearance rates are also worth watching in Australia.</p>
<p>
<p>While there has been some improvement in some of these signposts it is not enough to provide confidence yet.</p>
<p>
<p><strong>Implications</strong></p>
<p>
<p>The bleak and uncertain economic outlook has several implications for investors:</p>
<p>
<p>Firstly short term cash rates are likely to fall a lot further. Japan and the US are in a race to zero.</p>
<p>
<p>In Australia, the Reserve Bank is likely to cut by another 0.75% to 1% next month and the cash rate will probably ultimately bottom out below 3% next year.</p>
<p>
<p>Just as shares led on the way down they will lead on the way up.</p>
<p>
<p>Having now had 50% plus falls shares are already factoring in a recession. But while they are great value from a long term perspective the uncertainty about the outlook and the continuing flow of bleak news means it’s too early to say the bear market is over.</p>
<p>
<p>Commodity prices and currencies like the $A lag the economic cycle and so it’s hard to see them moving higher until there is more confidence that global growth is back on track.</p>
<p>
<p>In the meantime, more weakness in commodity prices and resource stocks is likely.</p>
<p>
<p>Unlisted assets – including housing and commercial property – are now more vulnerable than financial assets which have already been hit hard.</p>
<p>
<p><strong>Conclusion</strong><br />While the next year is likely to be pretty tough, all is not lost. Australia’s long term growth prospects remain bright given our exposure to China which will resume its rapid industrialisation process after the current pause and our financial system is in far better shape than in many other countries.<br />And in the short term it should be borne in mind that a lot of stimulus is being pumped into the household sector, with lots more to come.</p>
<p>
<p>A middle income Australian family with a $250,000 mortgage, two kids and two cars will be seeing their finances bolstered considerably.</p>
<p>
<p>their mortgage interest bill will have fallen by about $375 a month (and will fall a lot further) since August, their monthly petrol bill will have fallen by about $95 since July and, if they qualify, they will get a one off $1000 per child payment next month.</p>
<p>
<p>Of course, the uncertainty caused by rising unemployment will mean a big chunk of this will be saved, but it will certainly help avoid a big collapse in spending and more importantly at some point later next year will help drive a recovery.</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.aireview.com.au">Australasian Investment Review</a> (AIR) is a free daily news service covering global financial markets with a focus on Australia, New Zealand and Asia. Each day our team of experienced journalists presents you with a concise digest of expert opinions and analysis on trends and backgrounds that matter in these markets.  Subscriptions are free at <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.aireview.com.au/index.php?act=signuppre">aireview.com.au</a></p>
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		<title>Interview with David Ellzey &#8211; Sedona Method Instructor (Part 4)</title>
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		<pubDate>Sat, 22 May 2010 17:00:04 +0000</pubDate>
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 4 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 4 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk</p>
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		<pubDate>Fri, 21 May 2010 03:01:13 +0000</pubDate>
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 3 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 3 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk</p>
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		<pubDate>Wed, 19 May 2010 13:21:46 +0000</pubDate>
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 2 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 2 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk</p>
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		<pubDate>Mon, 10 May 2010 01:18:52 +0000</pubDate>
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 1 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk
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David Ellzey interviewed by Jenny Mullan, UK Sedona Method Advanced Coach Trainee on Wed 20 Jan 2010. This is Part 1 of 4, so make sure you watch all four parts. David&#8217;s site: www.davidellzey.com Jenny&#8217;s site www.sedonacoaching.co.uk</p>
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