S&P Cuts Outlook on United States to ‘Negative’; Maintains ‘AAA’ Rating

April 18, 2011

Staff-HispanicBusiness.com

Standard & Poor’s Ratings Services has maintained its ‘AAA’ sovereign credit rating on the United States, but has revised the outlook on that rating to ‘Negative.’ This means that S&P believes there is a strong possibility — a one in three chance — that the country will be downgraded to a lower credit rating in the next several years.

According to Bloomberg, S&P cited “a material risk that U.S. policy makers might not reach an agreement on how to address medium- and long-term budgetary challenges by 2013.” At that point, if an agreement is not reached and “meaningful implementation is not begun by then,” it would mean in S&P’s view that the country’s fiscal profile would be “meaningfully weaker” than peer ‘AAA’ sovereigns.

Standard & Poor’s is currently the only ratings agency to take such a stance; CNBC reported that fellow independent ratings agencies Fitch and Moody’s were maintaining their respective ratings and outlooks.

Source: HispanicBusiness.com (c) 2011. All rights reserved.

The Solutions:

1.  The United States of America
Based on The United States of America
was founded on July 4, 1776
in Philadelphia, Pennsylvania, USA.

The ZERO POINT Rhythms in 2007, 2008 and 2009.
=======================================

2.  The United States Currency
Based on The United States Currency
was founded on April 2, 1792
in New York, New York, USA.

The ZERO POINT Rhythms in 2009, 2010 and 2011.
=====================================

3.  The United States Federal Reserve
Based on The United States Federal Reserve
was founded on December 23, 1913
in Washington, D.C., USA.

The ZERO POINT Rhythms in 2010, 2011 and 2012.
======================================

4. The United States Federal Reserve
Based on Ben Bernanke
Appointed as Chairman of Federal Reserve on February 1, 2006

THE ZERO POINT Rhythms in 2008, 2009.
=====================================
Especially, in 2008, 2009 DOUBLE ZERO POINT THE WORST.
=========================================================

Based on Ben Bernanke
Appointed as 2nd Term Chairman of Federal Reserve on January 28, 2010

THE ZERO POINT Rhythms in 2010, 2011.
=====================================
Especially, in 2010, 2011 DOUBLE ZERO POINT THE WORST.
==========================================================

5.  The United States Secretary of the Treasury
Based on The United States Secretary of Treasury
Timothy F. Geithner
was born on August 18, 1961
in Brooklyn, New York, USA.

The ZERO POINT Rhythms in 2010, 2011 and 2012.
======================================

“Millionaires don’t use Astrology, Billionaires do!” J.P. Morgan

LINKS – Life Cycle & Stock Cycle
========================

http://twitter.com/#!/lifecycle8899

http://lifecycle8899.wordpress.com/feed/

http://www.facebook.com/profile.php?id=1264082888

http://www.linkedin.com/pub/joseph-yung-lai-lifecycle/12/98/484

http://lifecycle899.blogspot.com/

http://zh.netlog.com/josephyunglai

VIEW PHOTOS:
============
http://www.flickr.com/photoes/joseph_yung2008

http://www.myspace.com/lifecycle899

http://pulse.yahoo.com/lifecycle

Book Rating as 5 STAR 98% positive.
“Global Financial Crisis: Cycle Analysis
Life Cycle – Business Cycle – Stock Cycle”
By Joseph Yung-Yuan Lai
ISBN: 1-4196-2963-8
CreateSpace (BookSurge) Publishing, An Amazon.com Company

http://www.amazon.com/Global-Financial-Crisis-Analysis-Business/dp/1419629638

Natural Theory: Julian Day – Life Cycle & Stock Cycle
=====================================================

http://www.facebook.com/profile.php?id=1264082888

http://www.grouply.com/profile

Posted in Stock, Mutual Fund, Romance & Marriage,,

 The Problems United States Financial Crisis since 2007 to 2012

The Problems: 
The United States Financial Crisis since 2007 to 2010

The financial crisis of 2007 to present is a financial crisis
triggered by a liquidity shortfall in the United States
banking system. It has resulted in the collapse of large
financial institutions, the “bail out” of banks by national
governments and downturns in stock markets around the world.

It is considered by many economists to be the worst
financial crisis since the Great Depression of the 1930s.

[1] It contributed to the failure of key businesses, declines
in consumer wealth estimated in the trillions of U.S. dollars,
substantial financial commitments incurred by governments,
and a significant decline in economic activity.

[2] Many causes have been proposed, with varying weight
assigned by experts.

[3] Both market-based and regulatory solutions have been
implemented or are under consideration,

[4] while significant risks remain for the world economy over
the 2010?2011 periods.

[5] Although this economic period has at times been referred
to as “the Great Recession,” this same phrase has been used to
refer to every recession of the several preceding
decades.

[6] The collapse of a global housing bubble, which peaked in
the U.S. in 2006, caused the values of securities tied to real
estate pricing to plummet thereafter, damaging financial
institutions globally.

[7] Questions regarding bank solvency, declines in credit
availability, and damaged investor confidence had an impact on global stock markets, where securities suffered large losses
during late 2008 and early 2009. Economies worldwide slowed during this period as credit tightened and international trade declined.

[8] Critics argued that credit rating agencies and investors
failed to accurately price the risk involved with mortgage-
related financial products, and that governments did not adjust their regulatory practices to address 21st century financial markets.

[9] Governments and central banks responded with unprecedented fiscal stimulus, monetary policy expansion, and institutional bailouts.

The Solutions:

1.  The United States of America
Based on The United States of America
was founded on July 4, 1776
in Philadelphia, Pennsylvania, USA.

The ZERO POINT Rhythms in 2007, 2008 and 2009.
=======================================

2.  The United States Currency
Based on The United States Currency
was founded on April 2, 1792
in New York, New York, USA.

The ZERO POINT Rhythms in 2009, 2010 and 2011.
=====================================

3.  The United States Federal Reserve
Based on The United States Federal Reserve
was founded on December 23, 1913
in Washington, D.C., USA.

The ZERO POINT Rhythms in 2010, 2011 and 2012.
======================================

4. The United States Federal Reserve
Based on Ben Bernanke
Appointed as Chairman of Federal Reserve on February 1, 2006

THE ZERO POINT Rhythms in 2008, 2009.
=====================================
Especially, in 2008, 2009 DOUBLE ZERO POINT THE WORST.
=========================================================

Based on Ben Bernanke
Appointed as 2nd Term Chairman of Federal Reserve on January 28, 2010

THE ZERO POINT Rhythms in 2010, 2011.
=====================================
Especially, in 2010, 2011 DOUBLE ZERO POINT THE WORST.
==========================================================

5.  The United States Secretary of the Treasury
Based on The United States Secretary of Treasury
Timothy F. Geithner
was born on August 18, 1961
in Brooklyn, New York, USA.

The ZERO POINT Rhythms in 2010, 2011 and 2012.
======================================

The Problems:

TOYOTA MOTORS
California plant closure will be first for Toyota

August 30, 2009

Toyota Motor Corp., a once-unstoppable but now money-losing
automaker with idle production capacity, will stop making
vehicles next year at the New United Motor Manufacturing Inc.
plant in Fremont, Calif.

The decision, first announced by Calif. Gov. Arnold Schwarzenegger, is momentous for Toyota, a Japanese automaker proud of never having closed an auto plant since its founding in 1937.

But Toyota signaled it might quit the venture after its partner
at NUMMI for 25 years, General Motors Co., said in June it would withdraw as part of its bankruptcy.

“We deeply regret having to take this action,” Toyotas Executive Vice President Atsushi Niimi told reporters from Japan during a conference call late Thursday. He said Toyota had learned much from the joint venture with GM, calling NUMMI a “groundbreaking model of U.S.-Japanese collaboration.” Toyota plans to end production at Fremont next March 2010.

The Solutions:
Based on TOYOTA Motors California plant in Fremont is a city in Alameda County, California.

It was incorporated on January 23, 1956.
The Zero Point Rhythms: In 2007, 2008, and 2009.
================================================

THE PROBLEMS:

General Motors Corp (GM) files for bankruptcy

DETROIT/WASHINGTON (Reuters) - General Motors Corp
filed for bankruptcy on Monday, June 1, 2009 forcing
the 100-year-old automaker once seen as a symbol of
American economic might and dynamism into a new and
uncertain era of government ownership.

The bankruptcy filing is the third-largest in U.S.
history and the largest ever in U.S. manufacturing.
The decision to push GM into a fast-track bankruptcy
and provide $30 billion of additional taxpayer funds
to restructure the automaker, is a huge gamble for
the Obama administration.

=========================

THE PROBLEMS:

General Motors Corporation (GM) (NYSE: GM) 
Industry Giant Falling Behind: GM Reports $1.1 Billion Loss

By Greg Schneider
Washington Post Staff Writer
Wednesday, April 20, 2009; Page A01

General Motors said yesterday that it lost $1.1 billion
during the first three months of the year, as poor sales
and rampant health care costs hammered the world’s biggest
automaker. Once the premier symbol of American industrial
might, GM is staggering under the same pressures that have
weakened other industries such as steel and the airlines.

A generation ago, half of all the vehicles Americans bought
each year were made by GM; today it’s just over a quarter.

While past downturns in GM’s business coincided with bigger
problems in the U.S. auto market, the current problems come
during the hottest five years of auto sales in history,
raising the question of whether the glory days are gone
for good.
========================

General Motors Corporation (GM) (NYSE: GM), is a global
automaker founded in 1908 with headquarters in Detroit,
Michigan, USA. It is the world’s second-largest automaker
after Toyota, ranked by 2008 global unit sales.[3] GM was
formerly the global sales leader for 77 consecutive calendar
years from 1931 to 2007. It manufactures cars and trucks
in 34 countries. GM employs 252,000 people around the world, and sells and services vehicles in some 140 countries.

In 2008, 18.35 million GM cars and trucks were sold globally
under the following brands: Buick, Cadillac, Chevrolet, GMC,
GM Daewoo, Holden, Hummer, Opel, Pontiac, Saab, Saturn,
Vauxhall and Wuling.[4]

In late 2008 GM, along with Chrysler, became and continues
to be dependent on government loans to avoid bankruptcy.

The Solutions:

Based on General Motors (GM)

was founded on September 27, 1908,
in Flint, Michigan, United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
======================================

THE PROBLEMS:

CITIGROUP Stock Falls Below $1 a Share

AP Thursday March 5, 2009 11:37 am ET

Citigroup stock drops below $1 a share, relaxed NYSE rule
allows continued trading

CHARLOTTE, North Carolina (AP) — Shares of Citigroup Inc.,
once the most powerful U.S. bank, fell below $1 a share
Thursday, March 5, 2009.

The stock fell to 98 cents in late morning trading, down
15 cents or 14.2 percent from Wednesday.

New York-based Citi has lost more than 85 percent of its
value so far this year, and is down more than 95 percent
from a year ago as the bank was pummeled by the financial
market crisis.

Citigroup’s shares will remain on the New York Stock
Exchange. Last week, the NYSE relaxed its listing rules
to allow stocks that fall under $1 to still be listed and
traded on the exchange.

The exchange said the change was warranted given the
“current period of unusual market volatility and decline.”
Ordinarily, an NYSE-listed company’s shares cannot remain
below $1 for more than 30 consecutive days. If that happens,
the company gets about six months to prove to the NYSE it
can boost its stock price.

As the recession deepens, the problems facing Citigroup —
souring loans and the impact of the recession — are only
getting worse.

The Solutions:

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
======================================

THE PROBLEMS: Citigroup, U.S. Reach Accord on a Third Bailout

Citigroup, U.S. Reach Accord on a Third Bailout
Government Puts Itself on Hook for More Losses;
Stake of Up to 36% Stops Short of Nationalization

The Wall Street Journal
Friday, February 27, 2009
By DAVID ENRICH and DEBORAH SOLOMON

Citigroup Inc. and the federal government agreed to a third
rescue that will give U.S. taxpayers as much as 36% of the
bank but expose their ownership stake to greater risk from
the recession and housing crisis.

Friday’s agreement shows how hard the Obama administration
is trying to stabilize the U.S. banking industry without a
full-fledged nationalization that would wipe out investors
and leave the government in charge. But the deal will punish
existing shareholders of Citigroup, who will see their stake
diluted by 74%, and likely do little to change the awkward
relationship between federal officials and management of the
New York company.

The Solutions:

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009. 
======================================

The Problems:
Citigroup posts loss, splits up the bank

Citigroup Inc. on Friday, January 16, 2009 announced its latest attempt to become profitable again: Splitting the bank into two pieces.

Citigroup, after suffering a loss of $8.29 billion, its fifth
straight quarterly deficit, is reorganizing into Citicorp and
Citi Holdings. The first will focus on traditional banking
around the world, while the second will hold the company’s
riskier assets and tougher-to-manage ventures.

The Solutions: Citigroup

Citigroup was formed on October 8, 1998 following the $140
billion merger of Citicorp andTravelers Group to create the
world’s largest financial services organization.[6]

The history of the company is, thus, divided into the workings
of several firms that over time amalgamated into Citicorp, a
multinational banking corporation operating in more than 100
countries; or Travelers Group, whose businesses covered credit services, consumer finance, brokerage, and insurance.

As such, the company history dates back to the founding of:
the City Bank of New York (later Citibank) in 1812; Bank
Handlowy in 1870; Smith Barney in 1873, Banamex in 1884;
Salomon Brothers in 1910.[13]

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
======================================

The Problems:
Ex-Nasdaq chairman Bernard Madoff arrested on fraud charge

NEWS WIRE SERVICES

Updated Thursday, December 11th 2008, 11:57 PM

Bernard Madoff arrested over alleged $50 billion fraud (Former Nasdaq chairman)

YahooNews ^ | 12/11/08

Posted on Thursday, December 11, 2008 10:14:49 PM by Sammy67

NEW YORK (Reuters) - Bernard Madoff, a long-time fixture and powerful adviser on Wall Street, was arrested and charged on Thursday with allegedly running a $50 billion Ponzi scheme, U.S. authorities said.

The former chairman of the Nasdaq Stock Market who remains a member of Nasdaq OMX Group Inc’s nominating committee, is best known as the founder of Bernard L. Madoff Investment Securities LLC, the closely-held market-making firm he founded in 1960.

But the alleged fraud involved a hedge fund he ran from a
separate floor of the building where his brokerage is based.

Madoff told senior employees of his firm on Wednesday that
“it’s all just one big lie” and that it was “basically, a
giant Ponzi scheme,” with estimated investor losses of about
$50 billion, according to a criminal complaint against him.

A Ponzi scheme is a pyramid-type swindle in which very high
returns are promised to early investors, who are (Excerpt) Read more at news.yahoo.com …

The Problems:
Madoff arrested in alleged Ponzi scheme

Ex-Nasdaq chairman, investor charged with securities fraud,
FBI says

By Alistair Barr & Ronald D. Orol, MarketWatch
Last update: 8:48 p.m. EST Dec. 11, 2008

SAN FRANCISCO (MarketWatch) — Bernard Madoff, former Nasdaq Stock Market chairman and founder of Bernard L. Madoff Investment Securities LLC, was arrested and charged with securities fraud Thursday in what federal prosecutors
called a Ponzi scheme that could involve losses of more than
$50 billion.

The Solutions:
Bernard L. Madoff

Based on Bernard L. Madoff
was born on April 29 1938
in New York City, New York
United States of America.

The ZERO POINT Rhythms: In 2007, 2008, and 2009.
========================================

I )  The Problems: Morgan Stanley
=========================

Morgan Stanley (NYSE: MS) is a global financial services provider headquartered in New York City, New York, United States. It serves a diversified group of corporations, governments, financial institutions, and individuals. Morgan Stanley also operates in 33 countries around the world with 600 offices, with an approximate employee workforce of 45,000.[2] The company reports US$779 billion as assets under its management[3].

The corporation, formed by J.P. Morgan & Co. employees Henry S. Morgan, Harold Stanley and others, came into existence on September 16, 1935. In its first year the company operated with a 24% market share (US$1.1 billion) in public offerings and private placements. 

The main areas of business for the firm today are Global Wealth Management, Institutional Securities and Investment Management.

The company found itself in the midst of a management crisis in the late 90s[4] that saw it lose a lot of talent and competence[5] and ultimately saw the firing of its then CEO Philip Purcell in 2005. Since then Morgan Stanley has been undergoing a massive restructuring which also involved job cuts across various of its businesses.

On September 21, 2008, it was reported that the Federal Reserve allowed Morgan Stanley to change its status from investment bank to bank holding company.[6]

On September 22, 2008, it was announced that Mitsubishi UFJ
Financial Group, Japan’s largest bank, plans to take a stake
of up to one-fifth in Morgan Stanley as part of a strategic
alliance.[7]

The Solutions: Morgan Stanley
=======================

Based on Morgan Stanley
was formed on September 16, 1935
in New York City, New York,
United States of America.

The ZERO POINT Rhythms in 2006, 2007, and 2008.
=======================================

II ) The Problems: Merrill Lynch & Co., Inc.
================================

Merrill Lynch & Co., Inc. (NYSE: MER TYO: 8675) is a global
financial services firm. Through its subsidiaries and
affiliates, the company provides capital markets services,
investment bankingand advisory services, wealth management, asset management, insurance, banking and related financial services worldwide. Merrill Lynch is headquartered in New York City, and occupies the entire 34 stories of the Four World Financial Center building in Manhattan.

Merrill Lynch will be sold to Bank of America, as announced
September 14, 2008, for $29 per share, if approved by
regulators and shareholders of both companies.

The Solutions:
===========

1 ) Based on Merrill Lynch & Co., Inc.
Listing Date: July 27, 1971
(MER) – NYSE
New York City, New York
United States of America.

The ZERO POINT Rhythms in 2005, 2006, and 2007.
=======================================

2 ) Based on Merrill Lynch & Co., Inc.
was founded on January 6, 1914
at 7 Wall Street
New York City, New York
United States of America.

The ZERO POINT Rhythms in 2008, 2009, and 2010.
=======================================

III ) The Problems: Bear Stearns Companies Inc. 
====================================

CREDIT CRISIS HITS WALL STREET
J.P. Morgan Buys Bear in Fire Sale,
As Fed Widens Credit to Avert Crisis

Ailing Firm Sold
For Just $2 a Share
In U.S.-Backed Deal

By Robin Sidel, Dennis K. Berman, and Kate Kelly
Wall Street Journal
March 17, 2008; Page A1

Pushed to the brink of collapse by the mortgage crisis,
Bear Stearns Cos. agreed — after prodding by the federal
government — to be sold to J.P. Morgan Chase & Co.
for the fire-sale price of $2 a share in stock,
or about $236 million.

Bear Stearns had a stock-market value of about $3.5 billion
as of Friday — and was worth $20 billion in January 2007.
But the crisis of confidence that swept the firm and fueled
a customer exodus in recent days left Bear Stearns with a
horrible choice: sell the firm — at any price — to a big
bank willing to assume its trading obligations or file for
bankruptcy.

“At the end of the day, what Bear Stearns was looking at was
either taking $2 a share or going bust,” said one person
involved in the negotiations. “Those were the only options.”

The Solutions:
===========

The Bear Stearns Companies Inc.
Listing Date:
29 October 1985

Based on The Bear Stearns Companies Inc.
Listing Date on October 29, 1985
in New York Stock Exchange,
New York City, New York,
United States of America.

The ZERO POINT Rhythm: In 2006, 2007 and 2008.
=======================================

For Your Information: 
=================

THE BEST SOLUTIONS
==================

Natural Theory: Julian Day - Life Cycle & Stock Cycle

Julian Day
========

Astronomers use the so called “Julian Day,” which ran from
noon to noon; the concept was invented by the astronomer
Joseph Scaliger, who named it after his father Julius. To
avoid the problems caused by leap year days and so forth,
Scaliger picked a conveniently remote date in the past and
suggested just counting days without regard to weeks,
months, and years.

The Julian Date (JD) for noon of December 31, 2010 was
2,455,562.

The reason for having the Julian Day run from noon to noon
is the practical one that astronomical observations usually
extend across the midnight hour, which would require a
change in date (or in the Julian Day number) if the
astronomical day, like the civil day, ran from midnight
to midnight.

Julian Calendars

Calendars based on the movements of sun and moon, have been used since ancient times, but none has been perfect The
Julian calendar, under which the Western nations measured
time until A.D.1582, was authorized by Julius Caesar in 46
B.C., the year 709 of Rome. His expert was a Greek, Sosigenes. 

The Julian calendar, on the assumption that the true year was
365 1/4 days long, gave every four year 366 days. The
Venerable Bede, an Anglo Saxon monk, announced in A.D. 730
that the 365 1/4 day Julian year was 11 min. 14 sec. too long,
making a cumulative error of about a day every 128 years, but
nothing was done about it for over 800 years.

The Julian Period

How many days have you lived? To determine this, you must
multiply your age by 365 add the number of days since your
last birthday until today, and account or all leap years.
Chances are your answer would be wrong. Astronomers, however, find it convenient to express date and long time intervals in days rather than in years months and days. This is done by placing events within the Julian period.

The Julian Period was devised in 1582 by the French classical
scholar Joseph Scaliger (1540 – 1609) and named after his
father Julius Caesar Scaliger (1484-1558), not after the
Julian calendar. Joseph Scaliger began Julian Day (JD) #1 at
noon, Jan.1, 4713 B.C., the most recent time that three major
chronological cycles began on the same day:

1 ) The 28 year solar cycle, after which dates in the Julian
calendar (e.g., Feb. 11) return to the same days of the week
(e.g., Monday);

2 ) The 19 year lunar cycle, after which the phases of the
moon return to the same dates of the year;

3 ) The 15 year in diction cycle, used in ancient Rome to
regulate taxes. It will take 7980 years to complete the
period, the product of 28, 19, and 15.

Noon of December 31, 2010, marks the beginning of Julian
Date (JD) 2,455,562; that many days will have passed since
the start of the Julian period. The JD at noon of any date
in 2011 may be found by adding to this figure the day of
the year for that date.

Julian Day and New Divination - Life Cycle & Stock Cycle
==========================================

10 ‘Julian Day’ and ‘New Divination – Life Cycle & Stock Cycle’
20 Copyright (C) 1987 by Joseph Yung-Yuan Lai, Astrologer & Consultant
30 L = 0: Z = .9999: T = 14: P = 3.14159265#
50 “Birthday Forecast: Life Cycle & Stock Cycle”
60 “< Enter Birth Date or Stock IPO Offered Date >”
70 GOSUB 140: GOSUB 230: GOSUB 221
80 JB = JD: JC = JD
90 IF JC > = JB GOTO 110: GOTO 100
100 FOR J = 1 TO 1000: NEXT J
110 N = JB
120 GOSUB 400
130 END
139 `Subroutine 1 – Birth Date or Stock IPO Offered Date’
140 INPUT “Month (1 to 12)”; M
150 M = INT (M): IF M < 1 OR M > 12 THEN 140
160 INPUT “Day (1 to 31)”; D
170 D = INT (D): IF D < 1 OR D > 31 THEN 160
180 INPUT “Year ( _ _ _ _ )” ; Y
190 Y = INT(Y): IF Y < 0 THEN 180
220 RETURN
221 `Subroutine 3 – Birth Place’
222 “< Enter Birth Place >
223 “[1] U.S.A., Canada, France, United Kingdom, & Europe”
224 “[2] Japan, Taiwan, Hong Kong, China, Korea, & Asia”
225 “[3] Australia, New Zealand”
226 “[4] Brazil, Peru, & South America”
227 INPUT “Enter Your Choice (1 – 4):”, BP
229 `Subroutine 2 – Julian Day’
230 W = INT ((M – 14)/12 + Z)
240 JD = INT (1461*(Y + 4800 + W)/4
250 B = 367*(M – 2 – W*12)/12
260 IF B < 0 THEN B = B + Z
270 B = INT (B): JD = JD + B
280 B = INT (INT (3*(Y + 4900 + W)/100)/4)
290 JD = JD + D – 32075 – B
310 W = JC + 68569! : R = INT (4*W/146097!)
320 W = W - INT ((146097!*R + 3)/4
330 Y = INT (4000*(W + 1)/1461001!)
340 W = W - INT (1461*Y/4) + 31
350 M = INT (80*W/2447)
360 D = W – INT (2447*M/80)
370 W = INT (M/11): M = M + 2 – 12*W
380 Y = 100*(R – 49) + Y + W
390 RETURN
395 JB = JD: JC = JD
398 N = JB
399 `Subroutine 4 – Natural Theory – Life Cycle & Stock Cycle’

NATURAL THEORY: Life Cycle & Stock Cycle 
=================================

Natural Theory – Life Cycle such as four seasons: spring,
summer, fall and winter. Just like as there are business
cycle in business and economy – Recovery, Prosperity,
Recession, and Trough. Cycle of time are old as ancient
history and as new as today such as the sunrise every morning
and sunset every night – sunrise, noon, sunset, and midnight.
That is one day everyday repeated and repeated forever and
a day.

While you are at the bottom of your cycle of bad luck – It
means your winter season of life so called “ZERO POINT” –
DON’T ALLOW YOURSELF TO BE MISLEADING by those who MAKE BIG PROMISES and DELIVER A BIG ZERO. Please keep in mind, Millions Times ZERO (9,999,999 X 0 = 0) the answer is ZERO.

Try to find moments where you can be truly alone so you can
recharge your battery. Wait with as much patience as you can,
until the time to emphasize your power in an upward trend on
the way to change of your bad luck to good luck.

The PROBLEMS: How to know that the timing of the upward trend? WHEN?
The SOLUTIONS: The New Divination – Natural Theory – Life
Cycle will inform you everything, your good luck is
forthcoming, and help you immediately in making up your mind.

As there are Business Cycle in the field of Business and
Economy – Recovery, Prosperity, Recession and Trough, as well as Typical Stock Market Cycle – Buy Point (Rising Trend),
Peak, Sell Point (Flat Trend), Declining Trend, and Trough.

Life Cycle based on Company Incorporated, birth date of CEO,
Chairman, President, and Vice President. Stock IPO stock
offered date, the timing of business date, in all have its
own Life Cycle and Business Cycle such as: spring, summer,
fall and winter, its exactly as the same as Business Cycle
as well as Typical Stock Market Cycle.

Life Cycle – For 12-year Time Cycles have 3 years in ZERO
POINT Rhythms, and every year in 12-month Time Cycles have
3 months ZERO POINT Rhythms, too. But, everyone is not the
same years and months in ZERO POINT Rhythms, it based on
your birthday and its influence by the star of Moon, Mars,
Mercury, Jupiter, Venus, and Saturn. Everyone is subject
to a cycle of Good Luck and Bad Luck, which controlled by
a variety of forces in the Universe.

Life Cycle of luck present some general patterns.
Especially, there are 1-month cycle, 3-month cycle, 1-year
cycle, 3-year cycle, 5-year cycle, 10-year cycle, 12-year
cycle, and 60-year cycles. Good Luck and Bad Luck comes
around to all of us, Up rising and Down falling in a cycle,
this is a Life Cycle for everyone as well as sunrise and
sunset.

Life Cycle – Business Cycle & Stock Cycle for Corporation
==========================================

For a corporation has been formed, the company’s Life Cycle
based on incorporated date. The company’s Life Cycle, it is
as well as Business Cycle, and Stock Cycle. There are another
way to determine for a company’s Life Cycle that is not only
legally incorporated, but also when company’s grand opening
for business. Please keep in mind, the company used timing
both of that would be considered.

Incorporation dates are always changing, when larger
companies are gobbling up smaller ones in mergers; there will
be changes in incorporation dates and Life Cycle – Business
Cycle – Stock Cycle. Several large companies have branch
offices throughout the nation and the world. The original
incorporation date of the Head Office is always used, but it
is also very important for the date, time and place of the
opening date of the branch office. There is branch office’s
own Life Cycle, too.

The company is the symbol for the Chief Executive Officer
(CEO), Chairman or President of the company, so it’s very
important to examine the date, time and place of birth of the
CEO, Chairman and President for its own Life Cycle. As you
learned The Life Cycle, as well as Business Cycle, and Stock
Cycles is THE BEST METHOD to PREDICTION the company’s healthy (gains) or sickness (losses).

“Millionaires don’t use Astrology, Billionaires do!” J.P. Morgan

LINKS – Life Cycle & Stock Cycle
========================

http://twitter.com/#!/lifecycle8899

http://lifecycle8899.wordpress.com/feed/

http://www.facebook.com/profile.php?id=1264082888

http://www.linkedin.com/pub/joseph-yung-lai-lifecycle/12/98/484

http://zh.netlog.com/josephyunglai

VIEW PHOTOS:
============
http://www.flickr.com/photos/joseph_yung2008

http://www.myspace.com/lifecycle899

http://pulse.yahoo.com/lifecycle

Book Rating as 5 STAR 98% positive.
“Global Financial Crisis: Cycle Analysis
Life Cycle – Business Cycle – Stock Cycle”
By Joseph Yung-Yuan Lai
ISBN: 1-4196-2963-8
CreateSpace (BookSurge) Publishing, An Amazon.com Company

http://www.amazon.com/Global-Financial-Crisis-Analysis-Business/dp/1419629638

Natural Theory: Julian Day – Life Cycle & Stock Cycle
=====================================================

http://www.facebook.com/profile.php?id=1264082888

http://www.grouply.com/profile
 

AP Thursday March 5, 2009 11:37 am ET

Citigroup stock drops below $1 a share, relaxed NYSE rule
allows continued trading

CHARLOTTE, North Carolina (AP) — Shares of Citigroup Inc.,
once the most powerful U.S. bank, fell below $1 a share
Thursday.

The stock fell to 98 cents in late morning trading, down
15 cents or 14.2 percent from Wednesday.

New York-based Citi has lost more than 85 percent of its
value so far this year, and is down more than 95 percent
from a year ago as the bank was pummeled by the financial
market crisis.

Citigroup’s shares will remain on the New York Stock
Exchange. Last week, the NYSE relaxed its listing rules
to allow stocks that fall under $1 to still be listed and
traded on the exchange.

The exchange said the change was warranted given the
“current period of unusual market volatility and decline.”
Ordinarily, an NYSE-listed company’s shares cannot remain
below $1 for more than 30 consecutive days. If that happens,
the company gets about six months to prove to the NYSE it
can boost its stock price.

As the recession deepens, the problems facing Citigroup –
souring loans and the impact of the recession — are only
getting worse.

The Solutions:

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
================================================

THE PROBLEMS: Citigroup, U.S. Reach Accord on a Third Bailout

Citigroup, U.S. Reach Accord on a Third Bailout
Government Puts Itself on Hook for More Losses;
Stake of Up to 36% Stops Short of Nationalization

The Wall Street Journal
Friday, February 27, 2009
By DAVID ENRICH and DEBORAH SOLOMON

Citigroup Inc. and the federal government agreed to a third
rescue that will give U.S. taxpayers as much as 36% of the
bank but expose their ownership stake to greater risk from
the recession and housing crisis.

Friday’s agreement shows how hard the Obama administration
is trying to stabilize the U.S. banking industry without a
full-fledged nationalization that would wipe out investors
and leave the government in charge. But the deal will punish
existing shareholders of Citigroup, who will see their stake
diluted by 74%, and likely do little to change the awkward
relationship between federal officials and management of the
New York company.

The Solutions:

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
================================================

THE BEST SOLUTIONS >>> FOR AMERICA’S MONEY CRISIS

The Problems:
Job cuts exceed 100,000 for the week

U.S. job losses continued to mount this week, with Pfizer,
Caterpillar and Boeing reporting massive reductions.

NEW YORK (CNNMoney.com) — In a brutal week for the job market, an assortment of companies across various industries announced more than 100,000 job cuts.

The bulk of the job loss news occurred on Monday, when several major U.S. companies announced sweeping job cuts, pushing the day’s total to more than 70,000.

THE PROBLEMS >>> Bloody Monday – Over 71,400 jobs lost

Bloody Monday: Over 71,400 jobs lost

By Julianne Pepitone, CNNMoney.com contributing writer
Last Updated: January 27, 2009: 11:13 AM ET

AMERICA’S MONEY CRISIS

NEW YORK (CNNMoney.com) — The final week of January began with a bloodbath for the job market, as over 71,400 more cuts were announced on Monday alone.

At least six companies from manufacturing and service industries announced cost-cutting initiatives that included slashing thousands of jobs.

More than 200,000 job cuts have been announced so far this year, according to company reports. Nearly 2.6 million jobs were lost over 2008, the highest yearly job-loss total since 1945.

THE BEST SOLUTIONS >>> FOR GLOBAL FINANCIAL CRISIS

The Problems:
Citigroup posts loss, splits up the bank

Citigroup Inc. on Friday, January 16, 2009 announced its latest attempt to become profitable again: Splitting the bank into two pieces.

Citigroup, after suffering a loss of $8.29 billion, its fifth
straight quarterly deficit, is reorganizing into Citicorp and
Citi Holdings. The first will focus on traditional banking
around the world, while the second will hold the company’s
riskier assets and tougher-to-manage ventures.

The Solutions: Citigroup

Citigroup was formed on October 8, 1998 following the $140
billion merger of Citicorp andTravelers Group to create the
world’s largest financial services organization.[6]

The history of the company is, thus, divided into the workings
of several firms that over time amalgamated into Citicorp, a
multinational banking corporation operating in more than 100
countries; or Travelers Group, whose businesses covered credit services, consumer finance, brokerage, and insurance.

As such, the company history dates back to the founding of:
the City Bank of New York (later Citibank) in 1812; Bank
Handlowy in 1870; Smith Barney in 1873, Banamex in 1884;
Salomon Brothers in 1910.[13]

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
================================================

The Problems:
Ex-Nasdaq chairman Bernard Madoff arrested on fraud charge

NEWS WIRE SERVICES

Updated Thursday, December 11th 2008, 11:57 PM

Bernard Madoff arrested over alleged $50 billion fraud (Former Nasdaq chairman)

YahooNews ^ | 12/11/08

Posted on Thursday, December 11, 2008 10:14:49 PM by Sammy67

NEW YORK (Reuters) – Bernard Madoff, a long-time fixture and powerful adviser on Wall Street, was arrested and charged on Thursday with allegedly running a $50 billion Ponzi scheme, U.S. authorities said.

The former chairman of the Nasdaq Stock Market who remains a member of Nasdaq OMX Group Inc’s nominating committee, is best known as the founder of Bernard L. Madoff Investment Securities LLC, the closely-held market-making firm he founded in 1960.

But the alleged fraud involved a hedge fund he ran from a
separate floor of the building where his brokerage is based.

Madoff told senior employees of his firm on Wednesday that
“it’s all just one big lie” and that it was “basically, a giant Ponzi scheme,” with estimated investor losses of about $50 billion, according to a criminal complaint against him.

A Ponzi scheme is a pyramid-type swindle in which very high
returns are promised to early investors, who are (Excerpt) Read more at news.yahoo.com …

The Problems:
Madoff arrested in alleged Ponzi scheme

Ex-Nasdaq chairman, investor charged with securities fraud,
FBI says

By Alistair Barr & Ronald D. Orol, MarketWatch

Last update: 8:48 p.m. EST Dec. 11, 2008

SAN FRANCISCO (MarketWatch) — Bernard Madoff, former Nasdaq Stock Market chairman and founder of Bernard L. Madoff Investment Securities LLC, was arrested and charged with securities fraud Thursday in what federal prosecutors
called a Ponzi scheme that could involve losses of more than
$50 billion.

The Solutions:
Bernard L. Madoff

Based on Bernard L. Madoff
was born on April 29 1938
in New York City, New York
United States of America.

The ZERO POINT Rhythms: In 2007, 2008, and 2009
================================================

I.) The Problems: Morgan Stanley
================================

Morgan Stanley (NYSE: MS) is a global financial services provider headquartered in New York City, New York, United States. It serves a diversified group of corporations, governments, financial institutions, and individuals. Morgan Stanley also operates in 33 countries around the world with 600 offices, with an approximate employee workforce of 45,000.[2] The company reports US$779 billion as assets under its management[3].

The corporation, formed by J.P. Morgan & Co. employees Henry S. Morgan, Harold Stanley and others, came into existence on September 16, 1935. In its first year the company operated with a 24% market share (US$1.1 billion) in public offerings and private placements. The main areas of business for the firm today are Global Wealth Management, Institutional Securities and Investment Management.

The company found itself in the midst of a management crisis in the late 90s[4] that saw it lose a lot of talent and competence[5] and ultimately saw the firing of its then CEO Philip Purcell in 2005. Since then Morgan Stanley has been undergoing a massive restructuring which also involved job cuts across various of its businesses.

On September 21, 2008, it was reported that the Federal Reserve allowed Morgan Stanley to change its status from investment bank to bank holding company.[6]

On September 22, 2008, it was announced that Mitsubishi UFJ
Financial Group, Japan’s largest bank, plans to take a stake
of up to one-fifth in Morgan Stanley as part of a strategic
alliance.[7]

The Solutions: Morgan Stanley
==============================

Based on Morgan Stanley
was formed on September 16, 1935
in New York City, New York,
United States of America.

The ZERO POINT Rhythms in 2006, 2007, and 2008.
===============================================

II.) The Problems: Merrill Lynch & Co., Inc.
============================================

Merrill Lynch & Co., Inc. (NYSE: MER TYO: 8675) is a global
financial services firm. Through its subsidiaries and
affiliates, the company provides capital markets services,
investment bankingand advisory services, wealth management, asset management, insurance, banking and related financial services worldwide. Merrill Lynch is headquartered in New York City, and occupies the entire 34 stories of the Four World Financial Center building in Manhattan.

Merrill Lynch will be sold to Bank of America, as announced
September 14, 2008, for $29 per share, if approved by
regulators and shareholders of both companies.

The Solutions:
==============

1.) Based on Merrill Lynch & Co., Inc.
Listing Date: July 27, 1971
(MER) – NYSE
New York City, New York
United States of America

The ZERO POINT Rhythms in 2005, 2006, and 2007.
===============================================

2.) Based on Merrill Lynch & Co., Inc.
was founded on January 6, 1914
at 7 Wall Street
New York City, New York
United States of America.

The ZERO POINT Rhythms in 2008, 2009, and 2010.
===============================================

III.) The Problems: Bear Stearns Companies Inc.
===============================================

CREDIT CRISIS HITS WALL STREET

J.P. Morgan Buys Bear in Fire Sale,
As Fed Widens Credit to Avert Crisis

Ailing Firm Sold
For Just $2 a Share
In U.S.-Backed Deal

By Robin Sidel, Dennis K. Berman, and Kate Kelly

Wall Street Journal

March 17, 2008; Page A1

Pushed to the brink of collapse by the mortgage crisis,
Bear Stearns Cos. agreed — after prodding by the federal
government — to be sold to J.P. Morgan Chase & Co.  for the fire-sale price of $2 a share in stock, or about $236 million.

Bear Stearns had a stock-market value of about $3.5 billion
as of Friday — and was worth $20 billion in January 2007.
But the crisis of confidence that swept the firm and fueled
a customer exodus in recent days left Bear Stearns with a
horrible choice: sell the firm — at any price — to a big bank willing to assume its trading obligations or file for
bankruptcy.

“At the end of the day, what Bear Stearns was looking at was
either taking $2 a share or going bust,” said one person
involved in the negotiations. “Those were the only options.”

The Solutions:
==============

The Bear Stearns Companies Inc.

Listing Date:
29 October 1985

Based on The Bear Stearns Companies Inc.

Listing Date on October 29, 1985
in New York Stock Exchange,
New York City, New York,
United States of America.

The ZERO POINT Rhythm: In 2006, 2007 and 2008.
==============================================

For Your Information:
=====================

THE BEST SOLUTIONS
==================

Natural Theory: Julian Day – Life Cycle & Stock Cycle

Julian Day
===========

Astronomers use the so called “Julian Day,” which ran from
noon to noon; the concept was invented by the astronomer
Joseph Scaliger, who named it after his father Julius. To
avoid the problems caused by leap year days and so forth,
Scaliger picked a conveniently remote date in the past and
suggested just counting days without regard to weeks,
months, and years.

The Julian Date (JD) for noon of December 31, 2008 was
2,454,832.

The reason for having the Julian Day run from noon to noon
is the practical one that astronomical observations usually
extend across the midnight hour, which would require a
change in date (or in the Julian Day number) if the
astronomical day, like the civil day, ran from midnight
to midnight.

Julian Calendars

Calendars based on the movements of sun and moon, have been used since ancient times, but none has been perfect The
Julian calendar, under which the Western nations measured
time until A.D.1582, was authorized by Julius Caesar in 46
B.C., the year 709 of Rome. His expert was a Greek, Sosigenes.
The Julian calendar, on the assumption that the true year was
365 1/4 days long, gave every four year 366 days. The
Venerable Bede, an Anglo Saxon monk, announced in A.D. 730
that the 365 1/4 day Julian year was 11 min. 14 sec. too long,
making a cumulative error of about a day every 128 years, but
nothing was done about it for over 800 years.

The Julian Period

How many days have you lived? To determine this, you must
multiply your age by 365 add the number of days since your
last birthday until today, and account or all leap years.
Chances are your answer would be wrong. Astronomers, however, find it convenient to express date and long time intervals in days rather than in years months and days. This is done by placing events within the Julian period.

The Julian Period was devised in 1582 by the French classical
scholar Joseph Scaliger (1540 – 1609) and named after his
father Julius Caesar Scaliger (1484-1558), not after the
Julian calendar. Joseph Scaliger began Julian Day (JD) #1 at
noon, Jan.1, 4713 B.C., the most recent time that three major
chronological cycles began on the same day:

1.) The 28 year solar cycle, after which dates in the Julian
calendar (e.g., Feb. 11) return to the same days of the week
(e.g., Monday);

2.) The 19 year lunar cycle, after which the phases of the
moon return to the same dates of the year;

3.) The 15 year in diction cycle, used in ancient Rome to
regulate taxes. It will take 7980 years to complete the
period, the product of 28, 19, and 15.

Noon of December 31, 2008, marks the beginning of Julian
Date (JD) 2,454,832; that many days will have passed since
the start of the Julian period. The JD at noon of any date
in 2009 may be found by adding to this figure the day of
the year for that date.

Julian Day and New Divination – Life Cycle & Stock Cycle
========================================================

10 ‘Julian Day’ and ‘New Divination – Life Cycle & Stock Cycle’
20 Copyright (C) 1987 by Joseph Yung-Yuan Lai, Astrologer & Consultant
30 L = 0: Z = .9999: T = 14: P = 3.14159265#
50 “Birthday Forecast: Life Cycle & Stock Cycle”
60 “< Enter Birth Date or Stock IPO Offered Date >”
70 GOSUB 140: GOSUB 230: GOSUB 221
80 JB = JD: JC = JD
90 IF JC > = JB GOTO 110: GOTO 100
100 FOR J = 1 TO 1000: NEXT J
110 N = JB
120 GOSUB 400
130 END
139 ‘Subroutine 1 – Birth Date or Stock IPO Offered Date’
140 INPUT “Month (1 to 12)”; M
150 M = INT (M): IF M 12 THEN 140
160 INPUT “Day (1 to 31)”; D
170 D = INT (D): IF D 31 THEN 160
180 INPUT “Year ( _ _ _ _ )” ; Y
190 Y = INT(Y): IF Y < 0 THEN 180
220 RETURN
221 ‘Subroutine 3 – Birth Place’
222 “< Enter Birth Place >
223 “[1] U.S.A., Canada, France, United Kingdom, & Europe”
224 “[2] Japan, Taiwan, Hong Kong, China, Korea, & Asia”
223 “[1] U.S.A., Canada, France, United Kingdom, & Europe”
224 “[2] Japan, Taiwan, Hong Kong, China, Korea, & Asia”
225 “[3] Australia, New Zealand”
226 “[4] Brazil, Peru, & South America”
227 INPUT “Enter Your Choice (1 – 4):”, BP
229 ‘Subroutine 2 – Julian Day’
230 W = INT ((M – 14)/12 + Z)
240 JD = INT (1461*(Y + 4800 + W)/4
250 B = 367*(M – 2 – W*12)/12
260 IF B < 0 THEN B = B + Z
270 B = INT (B): JD = JD + B
280 B = INT (INT (3*(Y + 4900 + W)/100)/4)
290 JD = JD + D – 32075 – B
310 W = JC + 68569! : R = INT (4*W/146097!)
320 W = W – INT ((146097!*R + 3)/4
330 Y = INT (4000*(W + 1)/1461001!)
340 W = W – INT (1461*Y/4) + 31
350 M = INT (80*W/2447)
360 D = W – INT (2447*M/80)
370 W = INT (M/11): M = M + 2 – 12*W
380 Y = 100*(R – 49) + Y + W
390 RETURN
395 JB = JD: JC = JD
398 N = JB
399 ‘Subroutine 4 – Natural Theory – Life Cycle & Stock Cycle’

NATURAL THEORY: Life Cycle & Stock Cycle
========================================

Natural Theory – Life Cycle such as four seasons: spring,
summer, fall and winter. Just like as there are business
cycle in business and economy – Recovery, Prosperity,
Recession, and Trough. Cycle of time are old as ancient
history and as new as today such as the sunrise every morning
and sunset every night – sunrise, noon, sunset, and midnight.
That is one day everyday repeated and repeated forever and
a day.

While you are at the bottom of your cycle of bad luck – It
means your winter season of life so called “ZERO POINT” -
DON’T ALLOW YOURSELF TO BE MISLEADING by those who MAKE BIG PROMISES and DELIVER A BIG ZERO. Please keep in mind, Millions Times ZERO (9,999,999 X 0 = 0) the answer is ZERO.

There is no use struggling to go up, for you will merely bog
down deeper. At such moments, it would be much better to stay just where you are. Rush action aren’t likely to give you the results you’d likes, PLEASE KEEPING IN MIND SLOWLY BUT SURELY.

Try to find moments where you can be truly alone so you can
recharge your battery. Wait with as much patience as you can,
until the time to emphasize your power in an upward trend on
the way to change of your bad luck to good luck.

The PROBLEMS: How to know that the timing of the upward trend? WHEN?
The SOLUTIONS: The New Divination – Natural Theory – Life
Cycle will inform you everything, your good luck is
forthcoming, and help you immediately in making up your mind.

As there are Business Cycle in the field of Business and
Economy – Recovery, Prosperity, Recession and Trough, as well as Typical Stock Market Cycle – Buy Point (Rising Trend),
Peak, Sell Point (Flat Trend), Declining Trend, and Trough.

Life Cycle based on Company Incorporated, birth date of CEO,
Chairman, President, and Vice President. Stock IPO stock
offered date, the timing of business date, in all have its
own Life Cycle and Business Cycle such as: spring, summer,
fall and winter, its exactly as the same as Business Cycle
as well as Typical Stock Market Cycle.

Life Cycle – For 12-year Time Cycles have 3 years in ZERO
POINT Rhythms, and every year in 12-month Time Cycles have
3 months ZERO POINT Rhythms, too. But, everyone is not the
same years and months in ZERO POINT Rhythms, it based on
your birthday and its influence by the star of Moon, Mars,
Mercury, Jupiter, Venus, and Saturn. Everyone is subject
to a cycle of Good Luck and Bad Luck, which controlled by
a variety of forces in the Universe.

Life Cycle of luck present some general patterns.
Especially, there are 1-month cycle, 3-month cycle, 1-year
cycle, 3-year cycle, 5-year cycle, 10-year cycle, 12-year
cycle, and 60-year cycles. Good Luck and Bad Luck comes
around to all of us, Up rising and Down falling in a cycle,
this is a Life Cycle for everyone as well as sunrise and
sunset.

Life Cycle – Business Cycle & Stock Cycle for Corporation
=========================================================

For a corporation has been formed, the company’s Life Cycle
based on incorporated date. The company’s Life Cycle, it is
as well as Business Cycle, and Stock Cycle. There are another
way to determine for a company’s Life Cycle that is not only
legally incorporated, but also when company’s grand opening
for business. Please keep in mind, the company used timing
both of that would be considered.

Incorporation dates are always changing, when larger
companies are gobbling up smaller ones in mergers; there will
be changes in incorporation dates and Life Cycle – Business
Cycle – Stock Cycle. Several large companies have branch
offices throughout the nation and the world. The original
incorporation date of the Head Office is always used, but it
is also very important for the date, time and place of the
opening date of the branch office. There is branch office’s
own Life Cycle, too.

The company is the symbol for the Chief Executive Officer
(CEO), Chairman or President of the company, so it’s very
important to examine the date, time and place of birth of the
CEO, Chairman and President for its own Life Cycle. As you
learned The Life Cycle, as well as Business Cycle, and Stock
Cycles is THE BEST METHOD to PREDICTION the company’s healthy (gains) or sickness (losses).

“Millionaires don’t use Astrology … Billionaires do!” J.P. Morgan

Life Cycle & Stock Cycle
========================

http://twitter.com/#!/lifecycle8899

http://lifecycle8899.wordpress.com/feed/

http://www.linkedin.com/pub/joseph-yung-lai-lifecycle/12/98/484

http://www.facebook.com/profile.php?id=1264082888

VIEW PHOTOS:
============
http://www.flickr.com/photos/joseph_yung2008 

http://www.myspace.com/lifecycle899

http://lifecycle899.hi5.com

http://360.yahoo.com/lifecycle

Book Rating as 5 STAR 98% positive.
“Global Financial Crisis: Cycle Analysis
Life Cycle – Business Cycle – Stock Cycle”
By Joseph Yung-Yuan Lai
ISBN: 1-4196-2963-8
BookSurge Publishing, An Amazon.com Company

http://www.amazon.com/Global-Financial-Crisis-Analysis-Business/dp/1419629638

 VIEW PHOTOS:
============
http://www.flickr.com/photos/joseph_yung2008

http://www.myspace.com/lifecycle899

AP Thursday March 5, 2009 11:37 am ET

Citigroup stock drops below $1 a share, relaxed NYSE rule
allows continued trading

CHARLOTTE, North Carolina (AP) — Shares of Citigroup Inc.,
once the most powerful U.S. bank, fell below $1 a share
Thursday.

The stock fell to 98 cents in late morning trading, down
15 cents or 14.2 percent from Wednesday.

New York-based Citi has lost more than 85 percent of its
value so far this year, and is down more than 95 percent
from a year ago as the bank was pummeled by the financial
market crisis.

Citigroup’s shares will remain on the New York Stock
Exchange. Last week, the NYSE relaxed its listing rules
to allow stocks that fall under $1 to still be listed and
traded on the exchange.

The exchange said the change was warranted given the
“current period of unusual market volatility and decline.”
Ordinarily, an NYSE-listed company’s shares cannot remain
below $1 for more than 30 consecutive days. If that happens,
the company gets about six months to prove to the NYSE it
can boost its stock price.

As the recession deepens, the problems facing Citigroup –
souring loans and the impact of the recession — are only
getting worse.

The Solutions:

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
==========================================

THE PROBLEMS: Citigroup, U.S. Reach Accord on a Third Bailout

Citigroup, U.S. Reach Accord on a Third Bailout
Government Puts Itself on Hook for More Losses;
Stake of Up to 36% Stops Short of Nationalization

The Wall Street Journal
Friday, February 27, 2009
By DAVID ENRICH and DEBORAH SOLOMON

Citigroup Inc. and the federal government agreed to a third
rescue that will give U.S. taxpayers as much as 36% of the
bank but expose their ownership stake to greater risk from
the recession and housing crisis.

Friday’s agreement shows how hard the Obama administration
is trying to stabilize the U.S. banking industry without a
full-fledged nationalization that would wipe out investors
and leave the government in charge. But the deal will punish
existing shareholders of Citigroup, who will see their stake
diluted by 74%, and likely do little to change the awkward
relationship between federal officials and management of the
New York company.

The Solutions:

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
==========================================

THE BEST SOLUTIONS >>> FOR AMERICA’S MONEY CRISIS

The Problems:
Job cuts exceed 100,000 for the week

U.S. job losses continued to mount this week, with Pfizer,
Caterpillar and Boeing reporting massive reductions.

NEW YORK (CNNMoney.com) — In a brutal week for the job market, an assortment of companies across various industries announced more than 100,000 job cuts.

The bulk of the job loss news occurred on Monday, when several
major U.S. companies announced sweeping job cuts, pushing the day’s total to more than 70,000.

THE PROBLEMS >>> Bloody Monday – Over 71,400 jobs lost

Bloody Monday: Over 71,400 jobs lost

By Julianne Pepitone, CNNMoney.com contributing writer
Last Updated: January 27, 2009: 11:13 AM ET

AMERICA’S MONEY CRISIS

NEW YORK (CNNMoney.com) — The final week of January began
with a bloodbath for the job market, as over 71,400 more cuts
were announced on Monday alone.

At least six companies from manufacturing and service industries announced cost-cutting initiatives that included slashing thousands of jobs.

More than 200,000 job cuts have been announced so far this year, according to company reports. Nearly 2.6 million jobs were lost over 2008, the highest yearly job-loss total since 1945.

THE BEST SOLUTIONS >>> FOR GLOBAL FINANCIAL CRISIS

The Problems:
Citigroup posts loss, splits up the bank

Citigroup Inc. on Friday, January 16, 2009 announced its latest
attempt to become profitable again: Splitting the bank into two
pieces.

Citigroup, after suffering a loss of $8.29 billion, its fifth
straight quarterly deficit, is reorganizing into Citicorp and
Citi Holdings. The first will focus on traditional banking
around the world, while the second will hold the company’s
riskier assets and tougher-to-manage ventures.

The Solutions: Citigroup

Citigroup was formed on October 8, 1998 following the $140
billion merger of Citicorp andTravelers Group to create the
world’s largest financial services organization.[6]

The history of the company is, thus, divided into the workings
of several firms that over time amalgamated into Citicorp, a
multinational banking corporation operating in more than 100
countries; or Travelers Group, whose businesses covered credit
services, consumer finance, brokerage, and insurance.

As such, the company history dates back to the founding of:
the City Bank of New York (later Citibank) in 1812; Bank
Handlowy in 1870; Smith Barney in 1873, Banamex in 1884;
Salomon Brothers in 1910.[13]

Based on Citigroup was formed on October 8, 1998
in New York City, New York,
United States of America.

The Zero Point Rhythms: In 2007, 2008, and 2009.
==========================================

The Problems:
Ex-Nasdaq chairman Bernard Madoff arrested on fraud charge

NEWS WIRE SERVICES

Updated Thursday, December 11th 2008, 11:57 PM

Bernard Madoff arrested over alleged $50 billion fraud (Former
Nasdaq chairman)

YahooNews ^ | 12/11/08

Posted on Thursday, December 11, 2008 10:14:49 PM by Sammy67

NEW YORK (Reuters) – Bernard Madoff, a long-time fixture and
powerful adviser on Wall Street, was arrested and charged on
Thursday with allegedly running a $50 billion Ponzi scheme,
U.S. authorities said.

The former chairman of the Nasdaq Stock Market who remains a
member of Nasdaq OMX Group Inc’s nominating committee, is best known as the founder of Bernard L. Madoff Investment Securities LLC, the closely-held market-making firm he founded in 1960.

But the alleged fraud involved a hedge fund he ran from a
separate floor of the building where his brokerage is based.

Madoff told senior employees of his firm on Wednesday that
“it’s all just one big lie” and that it was “basically, a giant Ponzi scheme,” with estimated investor losses of about $50 billion, according to a criminal complaint against him.

A Ponzi scheme is a pyramid-type swindle in which very high
returns are promised to early investors, who are (Excerpt) Read more at news.yahoo.com …

The Problems:
Madoff arrested in alleged Ponzi scheme

Ex-Nasdaq chairman, investor charged with securities fraud,
FBI says

By Alistair Barr & Ronald D. Orol, MarketWatch

Last update: 8:48 p.m. EST Dec. 11, 2008

SAN FRANCISCO (MarketWatch) — Bernard Madoff, former Nasdaq Stock Market chairman and founder of Bernard L. Madoff Investment Securities LLC, was arrested and charged with securities fraud Thursday in what federal prosecutors
called a Ponzi scheme that could involve losses of more than
$50 billion.

The Solutions:
Bernard L. Madoff

Based on Bernard L. Madoff
was born on April 29 1938
in New York City, New York
United States of America.

The ZERO POINT Rhythms: In 2007, 2008, and 2009.
============================================

I.) The Problems: Morgan Stanley
============================

Morgan Stanley (NYSE: MS) is a global financial services provider headquartered in New York City, New York, United States. It serves a diversified group of corporations, governments, financial institutions, and individuals. Morgan Stanley also operates in 33 countries around the world with 600 offices, with an approximate employee workforce of 45,000.[2] The company reports US$779 billion as assets under its management[3].

The corporation, formed by J.P. Morgan & Co. employees Henry S. Morgan, Harold Stanley and others, came into existence on September 16, 1935. In its first year the company operated with a 24% market share (US$1.1 billion) in public offerings and private placements.

The main areas of business for the firm today are Global Wealth
Management, Institutional Securities and Investment Management.

The company found itself in the midst of a management crisis in
the late 90s[4] that saw it lose a lot of talent and competence[5]
and ultimately saw the firing of its then CEO Philip Purcell in
2005. Since then Morgan Stanley has been undergoing a massive
restructuring which also involved job cuts across various of
its businesses.

On September 21, 2008, it was reported that the Federal Reserve
allowed Morgan Stanley to change its status from investment bank to bank holding company.[6]

On September 22, 2008, it was announced that Mitsubishi UFJ
Financial Group, Japan’s largest bank, plans to take a stake
of up to one-fifth in Morgan Stanley as part of a strategic
alliance.[7]

The Solutions: Morgan Stanley
==========================

Based on Morgan Stanley
was formed on September 16, 1935
in New York City, New York,
United States of America.

The ZERO POINT Rhythms in 2006, 2007, and 2008.
===========================================

II.) The Problems: Merrill Lynch & Co., Inc.
====================================

Merrill Lynch & Co., Inc. (NYSE: MER TYO: 8675) is a global
financial services firm. Through its subsidiaries and
affiliates, the company provides capital markets services,
investment bankingand advisory services, wealth management,
asset management, insurance, banking and related financial
services worldwide. Merrill Lynch is headquartered in New
York City, and occupies the entire 34 stories of the Four
World Financial Center building in Manhattan.

Merrill Lynch will be sold to Bank of America, as announced
September 14, 2008, for $29 per share, if approved by
regulators and shareholders of both companies.

The Solutions:
=============

1.) Based on Merrill Lynch & Co., Inc.
Listing Date: July 27, 1971
(MER) – NYSE
New York City, New York
United States of America

The ZERO POINT Rhythms in 2005, 2006, and 2007.
===========================================

2.) Based on Merrill Lynch & Co., Inc.
was founded on January 6, 1914
at 7 Wall Street
New York City, New York
United States of America.

The ZERO POINT Rhythms in 2008, 2009, and 2010.
==========================================

III.) The Problems: Bear Stearns Companies Inc.
========================================

CREDIT CRISIS HITS WALL STREET

J.P. Morgan Buys Bear in Fire Sale,
As Fed Widens Credit to Avert Crisis

Ailing Firm Sold
For Just $2 a Share
In U.S.-Backed Deal

By Robin Sidel, Dennis K. Berman, and Kate Kelly

Wall Street Journal  March 17, 2008; Page A1

Pushed to the brink of collapse by the mortgage crisis,
Bear Stearns Cos. agreed — after prodding by the federal
government — to be sold to J.P. Morgan Chase & Co.
for the fire-sale price of $2 a share in stock,
or about $236 million.

Bear Stearns had a stock-market value of about $3.5 billion
as of Friday — and was worth $20 billion in January 2007.
But the crisis of confidence that swept the firm and fueled
a customer exodus in recent days left Bear Stearns with a
horrible choice: sell the firm — at any price — to a big
bank willing to assume its trading obligations or file for
bankruptcy.

“At the end of the day, what Bear Stearns was looking at was
either taking $2 a share or going bust,” said one person
involved in the negotiations. “Those were the only options.”

The Solutions:
==============

The Bear Stearns Companies Inc.

Listing Date:
29 October 1985

Based on The Bear Stearns Companies Inc.

Listing Date on October 29, 1985
in New York Stock Exchange,
New York City, New York,
United States of America.

The ZERO POINT Rhythm: In 2006, 2007 and 2008.
==========================================

For Your Information:
===================

THE BEST SOLUTIONS
====================

Natural Theory: Julian Day – Life Cycle & Stock Cycle

Julian Day
==========

Astronomers use the so called “Julian Day,” which ran from
noon to noon; the concept was invented by the astronomer
Joseph Scaliger, who named it after his father Julius. To
avoid the problems caused by leap year days and so forth,
Scaliger picked a conveniently remote date in the past and
suggested just counting days without regard to weeks,
months, and years.

The Julian Date (JD) for noon of December 31, 2008 was
2,454,832.

The reason for having the Julian Day run from noon to noon
is the practical one that astronomical observations usually
extend across the midnight hour, which would require a
change in date (or in the Julian Day number) if the
astronomical day, like the civil day, ran from midnight
to midnight.

Julian Calendars

Calendars based on the movements of sun and moon, have been
used since ancient times, but none has been perfect The
Julian calendar, under which the Western nations measured
time until A.D.1582, was authorized by Julius Caesar in 46
B.C., the year 709 of Rome. His expert was a Greek, Sosigenes.
The Julian calendar, on the assumption that the true year was
365 1/4 days long, gave every four year 366 days. The
Venerable Bede, an Anglo Saxon monk, announced in A.D. 730
that the 365 1/4 day Julian year was 11 min. 14 sec. too long,
making a cumulative error of about a day every 128 years, but
nothing was done about it for over 800 years.

The Julian Period

How many days have you lived? To determine this, you must
multiply your age by 365 add the number of days since your
last birthday until today, and account or all leap years.
Chances are your answer would be wrong. Astronomers, however, find it convenient to express date and long time intervals in days rather than in years months and days. This is done by placing events within the Julian period.

The Julian Period was devised in 1582 by the French classical
scholar Joseph Scaliger (1540 – 1609) and named after his
father Julius Caesar Scaliger (1484-1558), not after the
Julian calendar. Joseph Scaliger began Julian Day (JD) #1 at
noon, Jan.1, 4713 B.C., the most recent time that three major
chronological cycles began on the same day:

1.) The 28 year solar cycle, after which dates in the Julian
calendar (e.g., Feb. 11) return to the same days of the week
(e.g., Monday);

2.) The 19 year lunar cycle, after which the phases of the
moon return to the same dates of the year;

3.) The 15 year in diction cycle, used in ancient Rome to
regulate taxes. It will take 7980 years to complete the
period, the product of 28, 19, and 15.

Noon of December 31, 2008, marks the beginning of Julian
Date (JD) 2,454,832; that many days will have passed since
the start of the Julian period. The JD at noon of any date
in 2009 may be found by adding to this figure the day of
the year for that date.

Julian Day and New Divination – Life Cycle & Stock Cycle
===============================================

10 ‘Julian Day’ and ‘New Divination – Life Cycle & Stock Cycle’
20 Copyright (C) 1987 by Joseph Yung-Yuan Lai, Astrologer & Consultant
30 L = 0: Z = .9999: T = 14: P = 3.14159265#
50 “Birthday Forecast: Life Cycle & Stock Cycle”
60 “”
70 GOSUB 140: GOSUB 230: GOSUB 221
80 JB = JD: JC = JD
90 IF JC > = JB GOTO 110: GOTO 100
100 FOR J = 1 TO 1000: NEXT J
110 N = JB
120 GOSUB 400
130 END
139 ‘Subroutine 1 – Birth Date or Stock IPO Offered Date’
140 INPUT “Month (1 to 12)”; M
150 M = INT (M): IF M 12 THEN 140
160 INPUT “Day (1 to 31)”; D
170 D = INT (D): IF D 31 THEN 160
180 INPUT “Year ( _ _ _ _ )” ; Y
190 Y = INT(Y): IF Y < 0 THEN 180
220 RETURN
221 ‘Subroutine 3 – Birth Place’
222 “
223 “[1] U.S.A., Canada, France, United Kingdom, & Europe”
224 “[2] Japan, Taiwan, Hong Kong, China, Korea, & Asia”
225 “[3] Australia, New Zealand”
226 “[4] Brazil, Peru, & South America”
227 INPUT “Enter Your Choice (1 – 4):”, BP
229 ‘Subroutine 2 – Julian Day’
230 W = INT ((M – 14)/12 + Z)
240 JD = INT (1461*(Y + 4800 + W)/4
250 B = 367*(M – 2 – W*12)/12
260 IF B < 0 THEN B = B + Z
270 B = INT (B): JD = JD + B
280 B = INT (INT (3*(Y + 4900 + W)/100)/4)
290 JD = JD + D – 32075 – B
310 W = JC + 68569! : R = INT (4*W/146097!)
320 W = W – INT ((146097!*R + 3)/4
330 Y = INT (4000*(W + 1)/1461001!)
340 W = W – INT (1461*Y/4) + 31
350 M = INT (80*W/2447)
360 D = W – INT (2447*M/80)
370 W = INT (M/11): M = M + 2 – 12*W
380 Y = 100*(R – 49) + Y
390 RETURN
395 JB = JD: JC = JD
398 N = JB
399 ‘Subroutine 4 – Natural Theory – Life Cycle & Stock Cycle’

NATURAL THEORY: Life Cycle & Stock Cycle
=====================================

Natural Theory – Life Cycle such as four seasons: spring,
summer, fall and winter. Just like as there are business
cycle in business and economy – Recovery, Prosperity,
Recession, and Trough. Cycle of time are old as ancient
history and as new as today such as the sunrise every morning
and sunset every night – sunrise, noon, sunset, and midnight.
That is one day everyday repeated and repeated forever and
a day.

While you are at the bottom of your cycle of bad luck – It
means your winter season of life so called “ZERO POINT” -
DON’T ALLOW YOURSELF TO BE MISLEADING by those who MAKE BIG PROMISES and DELIVER A BIG ZERO. Please keep in mind, Millions Times ZERO (9,999,999 X 0 = 0) the answer is ZERO.

There is no use struggling to go up, for you will merely bog
down deeper. At such moments, it would be much better to stay
just where you are. Rush action aren’t likely to give you the
results you’d likes, PLEASE KEEPING IN MIND SLOWLY BUT SURELY.

Try to find moments where you can be truly alone so you can
recharge your battery. Wait with as much patience as you can,
until the time to emphasize your power in an upward trend on
the way to change of your bad luck to good luck.

The PROBLEMS: How to know that the timing of the upward trend?  WHEN?
The SOLUTIONS: The New Divination – Natural Theory – Life
Cycle will inform you everything, your good luck is
forthcoming, and help you immediately in making up your mind.

As there are Business Cycle in the field of Business and
Economy – Recovery, Prosperity, Recession and Trough, as well
as Typical Stock Market Cycle – Buy Point (Rising Trend),
Peak, Sell Point (Flat Trend), Declining Trend, and Trough.

Life Cycle based on Company Incorporated, birth date of CEO,
Chairman, President, and Vice President. Stock IPO stock
offered date, the timing of business date, in all have its
own Life Cycle and Business Cycle such as: spring, summer,
fall and winter, its exactly as the same as Business Cycle
as well as Typical Stock Market Cycle.

Life Cycle – For 12-year Time Cycles have 3 years in ZERO
POINT Rhythms, and every year in 12-month Time Cycles have
3 months ZERO POINT Rhythms, too. But, everyone is not the
same years and months in ZERO POINT Rhythms, it based on
your birthday and its influence by the star of Moon, Mars,
Mercury, Jupiter, Venus, and Saturn. Everyone is subject
to a cycle of Good Luck and Bad Luck, which controlled by
a variety of forces in the Universe.

Life Cycle of luck present some general patterns.
Especially, there are 1-month cycle, 3-month cycle, 1-year
cycle, 3-year cycle, 5-year cycle, 10-year cycle, 12-year
cycle, and 60-year cycles. Good Luck and Bad Luck comes
around to all of us, Up rising and Down falling in a cycle,
this is a Life Cycle for everyone as well as sunrise and
sunset.

Life Cycle – Business Cycle & Stock Cycle for Corporation
===============================================

For a corporation has been formed, the company’s Life Cycle
based on incorporated date. The company’s Life Cycle, it is
as well as Business Cycle, and Stock Cycle. There are another
way to determine for a company’s Life Cycle that is not only
legally incorporated, but also when company’s grand opening
for business. Please keep in mind, the company used timing
both of that would be considered.

Incorporation dates are always changing, when larger
companies are gobbling up smaller ones in mergers; there will
be changes in incorporation dates and Life Cycle – Business
Cycle – Stock Cycle. Several large companies have branch
offices throughout the nation and the world. The original
incorporation date of the Head Office is always used, but it
is also very important for the date, time and place of the
opening date of the branch office. There is branch office’s
own Life Cycle, too.

The company is the symbol for the Chief Executive Officer
(CEO), Chairman or President of the company, so it’s very
important to examine the date, time and place of birth of the
CEO, Chairman and President for its own Life Cycle. As you
learned The Life Cycle, as well as Business Cycle, and Stock
Cycles is THE BEST METHOD to PREDICTION the company’s healthy (gains) or sickness (losses).

“Millionaires don’t use Astrology … Billionaires do!” J.P. Morgan

Life Cycle & Stock Cycle
====================

http://LifeCycleStockCycle.spaces.msn.com/

http://www.facebook.com/profile.php?id=1264082888

VIEW PHOTOS:

http://www.flickr.com/photos/joseph_yiung2008

http://www.linkedin.com/pub/joseph-yung-lai-lifecycle/12/98/484

http://www.myspace.com/lifecycle899

http://lifecycle899.hi5.com

http://360.yahoo.com/lifecycle

Book Rating as 5 STAR 98% positive.
“Global Financial Crisis: Cycle Analysis
Life Cycle – Business Cycle – Stock Cycle”
By Joseph Yung-Yuan Lai
ISBN: 1-4196-2963-8
BookSurge Publishing, An Amazon.com Company

http://www.amazon.com/Global-Financial-Crisis-Analysis-Business/dp/1419629638 

VIEW PHOTOS:
============
http://www.flickr.com/photos/joseph_yung2008

http://www.myspace.com/lifecycle899

http://lifecycle8899.wordpress.com/feed/

Bear Stearn Companies Inc.

CREDIT CRISIS HITS WALL STREET

J.P. Morgan Buys Bear in Fire Sale,

As Fed Widens Credit to Avert Crisis

Ailing Firm Sold

For Just $2 a Share

In U.S.-Backed Deal

By Robin Sidel, Dennis K. Berman, and Kate Kelly

Wall Street Journal

March 17, 2008; Page A1

Pushed to the brink of collapse by the mortgage crisis,
Bear Stearns Co. agreed — after prodding by the federal government
– to be sold to J.P. Morgan Chase & Co.
for the fire-sale price of $2 a share in stock,
or about $236 million.

Bear Stearns Co. had a stock-market value of about $3.5 billion as of
Friday — and was worth $20 billion in January 2007. But the crisis of
confidence that swept the firm and fueled a customer exodus in recent
days left Bear Stearns with a horrible choice: sell the firm –
at any price — to a big bank willing to assume its trading obligations
or file for bankruptcy.

“At the end of the day, what Bear Stearns was looking at was either

taking $2 a share or going bust,” said one person involved in the

negotiations. “Those were the only options.”

The Solutions:

Bear Stearns Companies Inc.

The Bear Stearns Companies Inc.

Listing Date: 29 October 1985

Based on The Bear Stearns Companies Inc.

Listing Date on October 29, 1985

in New York Stock Exchange

New York, New York

United States of America

The ZERO POINT Rhythm: In 2006, 2007 and 2008.

=======================================

Natural Theory: Life Cycle & Stock Cycle

Natural Theory – Life Cycle such as four seasons: spring, summer,

fall and winter. Just like as there are business cycle in business and

economy  - Recovery, Prosperity, Recession, and Trough. Cycle of time

are old as ancient history and as new astoday such as the sunrise every

morning and sunset every night – sunrise, noon, sunset, and midnight.

That is one day everyday repeated and repeated forever and a day.

While you are at the bottom of your cycle of bad luck – It means your

winter season of life so called “ZERO POINT” – DON’T ALLOW YOURSELF TO BE MISLEADING by those who MAKE BIG PROMISES and DELIVER A BIG ZERO. Please keep in mind, Millions Times ZERO (9,999,999 X 0 = 0) the answer is ZERO.

There is no use struggling to go up, for you will merely bog down deeper. At such moments, it would be much better to stay just where you are. Rush action aren’t likely to give you the results you’d likes,

PLEASE KEEPING IN MIND SLOWLY BUT SURELY.

Try to find moments where you can be truly alone so you can recharge your battery.  Wait with as much patience as you can, until the time to emphasize your power in an upward trend on the way to change of your bad luck to good luck.

The PROBLEMS: How to know that the timing of the upward trend? WHEN?
The SOLUTIONS: The New Divination – Natural Theory – Life Cycle will inform you everything, your good luck is forthcoming, and help you immediately in making up your mind.

As there are Business Cycle in the field of Business and Economy – Recovery, Prosperity, Recession and Trough, as well as Typical Stock Market Cycle – Buy Point (Rising Trend), Peak, Sell Point (Flat Trend), Declining Trend, and Trough.

Life Cycle based on Company Incorporated, birth date of CEO, Chairman, President, and Vice President. Stock IPO stock offered date, the timing of business date, in all have its own Life Cycle and Business Cycle such as: spring, summer, fall and winter, its exactly as the same as Business Cycle as well as Typical Stock Market Cycle.

Life Cycle – For 12-year Time Cycles have 3 years in ZERO POINT Rhythms, and every year in 12-month Time Cycles have 3 months ZERO POINT Rhythms, too.

But, everyone is not the same years and months in ZERO POINT Rhythms, it based on your birthday and its influence by the star of Moon, Mars, Mercury, Jupiter, Venus, and Saturn. Everyone is subject to a cycle of Good Luck and Bad Luck, which controlled by a variety of forces in the Universe.

Life Cycle of luck present some general patterns. Especially, there are 1-month cycle, 3-month cycle, 1-year cycle, 3-year cycle, 5-year cycle, 10-year cycle, 12-year cycle, and 60-year cycles. Good Luck Bad Luck comes around to all of us, Up rising and Down falling in a cycle, this is a Life Cycle for everyone as well as sunrise and sunset.

Life Cycle – Business Cycle & Stock Cycle For Corporation  

For a corporation has been formed, the company’s Life Cycle based on incorporated date.  The company’s Life Cycle, it is as well as Business Cycle, and Stock Cycle.

There are another way to determine for a company’s Life Cycle that is not only legally incorporated, but also when company’s grand opening for business. Please keep in mind, the company used timing both of that would be considered.

Incorporation dates are always changing, when larger companies are gobbling up smaller ones in mergers; there will be changes in incorporation dates and Life Cycle – Business Cycle – Stock Cycle. Several large companies have branch offices throughout the nation and the world. The original incorporation date of the Head Office is always used, but it is also very important for the date, time and place of the opening date of the branch office. There is branch office’s own Life Cycle, too.

The company is the symbol for the Chief Executive Officer (CEO), Chairman or President of the company, so it’s very important to examine the date, time and place of birth of the CEO, Chairman and President for its own Life Cycle. As you learned The Life Cycle, as well as Business Cycle, and Stock Cycles is THE BEST METHOD to PREDICTION the company’s healthy (gains) or sickness (losses).

“Millionaires don’t use Astrology … Billionaires do!” J.P. Morgan

$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$

LINKS: Life Cycle & Stock Cycle  

http://lifecycle8899.wordpress.com/feed/

http://LifeCycleStockCycle.spaces.msn.com/

http://www.facebook.com/profile.php?id=1264082888

http://www.myspace.com/lifecycle899

Book Rating as 5 STAR 98% positive.
“Global Financial Crisis: Cycle Analysis
Life Cycle – Business Cycle – Stock Cycle”
By Joseph Yung-Yuan Lai
ISBN: 1-4196-2963-8
BookSurge Publishing, An Amazon.com Company

http://www.amazon.com/Global-Financial-Crisis-Analysis-Business/dp/1419629638

Life Cycle & Stock Cycle
====================

http://LifeCycleStockCycle.spaces.msn.com/

http://www.facebook.com/profile.php?id=1264082888

http://www.myspace.com/lifecycle899

VIEW PHOTOS: 
http://www.flickr.com/photos/joseph_yung2008

Bear Stearn Companies Inc.

CREDIT CRISIS HITS WALL STREET

J.P. Morgan Buys Bear in Fire Sale,

As Fed Widens Credit to Avert Crisis

Ailing Firm Sold

For Just $2 a Share

In U.S.-Backed Deal

By Robin Sidel, Dennis K. Berman, and Kate Kelly

Wall Street Journal