Today it finally ordering Philip Lerulfs writing Balance Act - The middle class who live from hand

"For most ordinary families is rising house prices, therefore a zero sum game. The only thing that really jay hopson grows the stakes and the risks for the private economy at a price collapse." - Philip Lerulf, Balance Act
Today it finally ordering Philip Lerulfs writing Balance Act - The middle class who live from hand to mouth (Timbro) from our online retailers. The book costs with its 100 pages only 45: - SEK in Bokia 49: - SEK in Adlibris, 49: - SEK at Amazon and 51: - SEK Bokus. With a small size and small price it is advantageous to have it in your pocket and press the hand of those who need to read this. This year's horror book and most depressing reading so far, and depict how the middle class, as the subtitle indicates, living from hand to mouth and can not manage unforeseen expenses and deferred income. The book takes as its starting point an empirical example of Saab's wages are withheld in Trollhattan facing bankruptcy, when hundreds of families jay hopson and households had to go cap in hand to the bank to borrow money for food for the day. Some savings were not and before the employer goes bankrupt will not fall any government wage guarantee out. "Yrvakenheten due [...] to those who suffered jay hopson in many cases were middle class with house, car and family, jay hopson not low-income people with more obvious difficulty in managing everyday finances." - Philip Lerulf of Trollhattan and Saab Then yet unrecorded large, when many private borrowed money from family and friends instead. Since lingers UIF least two months. 11% of the Swedes in 2011, had difficulties managing your current utigfterna and it's about well-paid people with full time jobs. I have previously reported how little savings Swedes, based on the figures in Lerulfs book. The Swedish welfare system has famously been eroded, but for the most taxes have been lowered and the book pushing hard the thesis that high taxes causes people not to save up even a buffer. As Lerulf complain mean even banks that ordinary people can save more than one month's salary jay hopson as a buffer, and to be honest, I usually do not say more than that, either - well aware that it is almost impossible for most people to save even that. "It does not take much imagination jay hopson to envision [situations] when we need access to your own money saved. Nevertheless, the welfare state is almost built by the notion that sickness and unemployment are the only real challenges that people face in life." - Philip Lerulf But the problems do not end at the lack of money to an emergency dentist. The lack of savings also impede labor mobility and makes people unable to start their own business or invest in the training and further training, when you are totally dependent on next month's salary. "An individual savings are large enough to afford to resign from work for the day, put themselves in school again or start your own business and live on their savings in anticipation of the business to generate profits seem to be able to imagine. " - Philip Lerulf Now think Lerulf, as expected, jay hopson that tax cuts are the way forward and argue that it would lead to increased savings. But we know, empirically, that Credit Svensson uses every tax cut to borrow more money and use the interest payments. Meanwhile, just more money in your wallet only chance for people to save more. But tax cuts must therefore, according to me, combined or even funded, with higher costs for loans - eg reduced deduction and repayment requirements. Only then can we ensure that the money goes to savings and not to loans and quick consumption. Just the borrower springs and our excessive desire to consume us happy does not affect Lerulf. Maybe because Timbro rely on infinite growth in a finite world and that consumption is our savior. But you still see this analysis beyond consumerism from Timbro direction. Damn trot. A classic example is how the housing bubble does not result in prosperity, jay hopson but for the few who sold his villa on Lidingö and bought in Kungsor, to build on Lerulfs example. Despite the high wages in the country when the "richest" Municipality Lidingö, so would a Lidingö Households in 2007 go back 200: - SEK a month if they bought their house at current value, while in the "poorest" municipality, despite significantly lower wages, would for 8500: - SEK over each month. Lerulft complain correctly that the Swedes as a collective is the rise in house prices just a zero sum game - the only ones who actually make something, they are selling and moving jay hopson to cheaper and manage to find a tenancy. For all other only increases costs and risks. And home is not a liquid asset can be used to unemployment. Between the ages of 30 - 49 had 10% last year sold things on book or to pawn shops or gold buyers for advice to ordinary necessary jay hopson expenses such as interest rates or food. The book succeeds in providing the different picture of Sweden as Lerulf f